427 Main St, Ashby, MA 01431 Property Records

Middlesex County and Ashby Town property record for 427 Main St, Ashby, MA 01431

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,374 sqft · built 1955
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Sep 2020)
Tax Bill	$5,970 (2026)
Deeds & Mortgages	Sep 2024 Mortgage Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ASHB M:010.0 B:0087 L:0000.0`

Property Details

APN / Parcel Number

Primary APN	`ASHB M:010.0 B:0087 L:0000.0`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,374 sqft Living Area
1st Floor Area	1,374 sqft
Basement Area	1,368 sqft
Unfinished Basement	1,368 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	65,340 sqft (1.5 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	427 MAIN ST
City	ASHBY
State	MA
Zip	01431-2307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Block	87
Jurisdiction	ASHBY MA
Township / Civil Division	ASHBY
Census Block Group	2
Census Block	2029
Census Tract	300100

Owner

427 Main St is owned and occupied by two individuals who bought it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	427 MAIN ST, ASHBY, MA 01431-2307
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Sep 24, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) DISCOVER BANK
Sep 11, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC
Feb 21, 2017	Quit Claim Deed, Transfer · FHA Mortgage OCWEN FIN SVC INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2020 · Amount on File
Deed Sale	Sep 11, 2020 · Amount on File
Prior Sale	Feb 21, 2017 · Amount on File
Deed Book / Page	75596 / 377
Prior Transfer Date	Sep 10, 2020
Prior Transfer Doc	75596-377
Record Updated	Oct 29, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBY MA
Property Address	427 MAIN ST, ASHBY, MA 01431-2307
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0083272-67
Date	Sep 24, 2024
Book Page	83272/67
Instrument	107976

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2054

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHBY MA
Recording Date	Sep 11, 2020
Property Address	427 MAIN ST, ASHBY, MA 01431-2307
Document Number	75596-377
Book / Page	75596 / 377
Instrument Date	Sep 10, 2020
Instrument	160113
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	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	427 MAIN ST, ASHBY, MA 01431-2307

Mortgage

Document Number	160111
Date	Sep 11, 2020
Instrument	160111

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHBY MA
Recording Date	Feb 21, 2017
Property Address	427 MAIN ST, ASHBY, MA 01431-2307
Document Number	68912-522
Book / Page	68912 / 522
Instrument	26603
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	$34.29
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	689120525
Date	Feb 21, 2017
Instrument	68912/0525

Lender

Name	OCWEN FIN SVC INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 21, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 427 Main St was $5,970, up 3.4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,970.00 (+3.45%)	$378,800 (-0.03%) Land $66,000 Building $312,800	$392,783 (+4.54%)
2025	$5,771.00 (+7.75%)	$378,900 (+9.86%) Land $66,000 Building $312,900	$375,725 (-4.05%)
2024	$5,356.00 (+1.52%)	$344,900 (+7.35%) Land $63,600 Building $281,300	$391,590
2023	$5,276.00	$321,300 Land $58,800 Building $262,500

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

Flood

FEMA maps place 427 Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 427 Main St is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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