Middlesex County and Acton Town property record for 431 Main St, Acton, MA 01720
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,594 sqft · built 1850 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on File |
| Last Sale | $690,000 (Apr 2025) |
| Tax Bill | $9,736 (2025) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | ACTO M:00F3A B:0066 L:0000 |
| Primary APN | ACTO M:00F3A B:0066 L:0000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,594 sqft Living Area |
| Gross Area | 3,472 sqft |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1850 |
| Architectural Style | Historical |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,780 sqft (0.5 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 431 MAIN ST |
|---|---|
| City | ACTON |
| State | MA |
| Zip | 01720-3809 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 66 |
| Jurisdiction | ACTON MA |
| Township / Civil Division | ACTON |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 363104 |
Source: Middlesex County and Acton Town records · APN ACTO M:00F3A B:0066 L:0000
Assessment roll updated April 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 431 MAIN ST, ACTON, MA 01720-3809 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Feb 03, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Mar 12, 2020 | Deed of Trust, Mortgage · Balloon Mortgage SANTANDER BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 10, 2025 · Amount on Record |
| Deed Sale | Apr 10, 2025 · Amount on Record |
| Prior Sale | Feb 03, 2023 · Amount on Record |
| Deed Book / Page | 83954 / 245 |
| Transfer Doc | 63153-242 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ACTON MA |
| Recording Date | Feb 03, 2023 |
| Property Address | 431 MAIN ST, ACTON, MA 01720-3809 |
| Document Number | 081223-292 |
| Book / Page | 81223 / 292 |
| Instrument Date | Feb 02, 2023 |
| Instrument | 12512 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 431 MAIN ST, ACTON, MA 01720-3809 |
| Document Number | 0000012513 |
|---|---|
| Date | Feb 03, 2023 |
| Instrument | 12513 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ACTON MA |
| Property Address | 431 MAIN ST, ACTON, MA 01720-3809 |
| Transaction Type | Mortgage |
| Record Updated | Mar 03, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 74275-591 |
|---|---|
| Date | Mar 12, 2020 |
| Book Page | 74275/591 |
| Instrument | 37403 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2050 |
Source: Middlesex County and Acton Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Acton Town |
| Unified School District | Acton-Boxborough Regional School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,736.00 (+2.87%) | $567,700 (-) Land $315,200 Building $252,500 | $652,080 (+4.13%) |
| 2024 | $9,464.00 (+1.71%) | $567,700 (+7.13%) Land $315,200 Building $252,500 | $626,240 |
| 2023 | $9,305.00 | $529,900 Land $286,600 Building $243,300 |
Source: FEMA National Flood Hazard Layer as of September 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 2 (1978–1981) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Feb 1981 · rainfall accumulation |
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026
| Listed Area | Within Davis, Isaac, Trail listed 1972 · 1 contributing resources · NRIS 72001347 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 118 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ACTON WATER SUPPLY DISTRICT serves 21,285 people |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Oct 2024 |
| Lead | 4 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 22 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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