42 W Central St, Natick, MA 01760 Property Records

Middlesex County and Natick Town property record for 42 W Central St, Natick, MA 01760

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,617 sqft · built 1860
Lot Size	0.298 acres (12,998 sqft)
Owner	2 Individual Names on File
Last Sale	$970,000 (Jul 2018)
Tax Bill	$16,499 (2025)
Deeds & Mortgages	Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`43-00000278`

Property Details

APN / Parcel Number

Primary APN	`43-00000278`
Alternative APN	`NATI M:00000043 P:00000278`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,617 sqft Living Area
1st Floor Area	653 sqft
Basement Area	368 sqft
Unfinished Basement	368 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1860
Effective Year Built	Effective 2016
Architectural Style	Other
Exterior Material	Wood Siding
Lot Area	12,998 sqft (0.298 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	43-00000278
Street Address	42 W CENTRAL ST
City	NATICK
State	MA
Zip	01760-4504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSA
Jurisdiction	NATICK MA
Township / Civil Division	NATICK
Census Block Group	1
Census Block	1019
Census Tract	382500

Owner

42 W Central St is owned and occupied by two individuals who bought it in July 2018.

Source: Middlesex County and Natick Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	42 W CENTRAL ST, NATICK, MA 01760-4504
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2018 · Amount on File
Deed Sale	Jul 9, 2018 · Amount on File
Prior Sale	Mar 28, 2013 · Amount on File
Deed Book / Page	71282 / 542
Transfer Doc	071282-542
Record Updated	Oct 29, 2026

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Jul 9, 2018
Property Address	42 W CENTRAL ST, NATICK, MA 01760-4504
Document Number	71282-542
Book / Page	71282 / 542
Instrument	100690
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$113.17
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 W CENTRAL ST, NATICK, MA 01760-4504

Mortgage

Document Number	712820545
Date	Jul 9, 2018
Instrument	71282/0545

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 9, 2048

Interest

Rate	3.65%
Max Rate At Change	80.1%
Max Rate	2.5%

Tax Assessment & Valuation

The 2025 property tax bill for 42 W Central St was $16,499, up 5% from the year before.

Source: Middlesex County and Natick Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Natick Town
Unified School District	Natick School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$16,499.00 (+4.96%)	$1,379,500 (+7.6%) Land $411,100 Building $968,400	$1,371,800
2024	$15,719.00 (+7.79%)	$1,282,100 (+11.13%) Land $388,300 Building $893,800
2023	$14,583.00	$1,153,700 Land $364,900 Building $788,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 42 W Central St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1978)
Most Recent Claim	Feb 1978 · tidal / storm surge

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 42 W Central St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NATICK WATER AND SEWER DIVISION serves 37,006 people · EPA ID MA3198000
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 714 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20