445 E Riding Dr, Carlisle, MA 01741 Property Records

Middlesex County and Carlisle Town property record for 445 E Riding Dr, Carlisle, MA 01741

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,619 sqft · built 1969
Lot Size	7.08 acres (308,448 sqft)
Owner	2 Individual Names on File
Last Sale	$1,627,500 (Sep 2023)
Tax Bill	$20,802 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Mar 2023 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`CARL M:0023 B:0058 L`

Property Details

APN / Parcel Number

Primary APN	`CARL M:0023 B:0058 L`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,619 sqft Living Area
Gross Area	6,201 sqft
Basement Area	1,433 sqft
Unfinished Basement	1,433 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	308,448 sqft (7.08 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	445 E RIDING DR
City	CARLISLE
State	MA
Zip	01741-1637
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
Legal Block	58
Jurisdiction	CARLISLE MA
Township / Civil Division	CARLISLE
Census Block Group	1
Census Block	1030
Census Tract	362100

Owner

445 E Riding Dr is owned and occupied by two individuals who bought it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	445 E RIDING DR, CARLISLE, MA 01741-1637
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

Date	Document
Sep 19, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA
Mar 31, 2023	Quit Claim Deed, Construction Loan · Construction Mortgage LOWELL FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2023 · Amount on File
Deed Sale	Sep 19, 2023 · Amount on File
Prior Sale	Mar 31, 2023 · Amount on File
Deed Document Number	202327688
Deed Book / Page	38078 / 92
Record Updated	Oct 29, 2026

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARLISLE MA
Recording Date	Sep 19, 2023
Property Address	445 E RIDING DR, CARLISLE, MA 01741-1637
Document Number	0038078-92
Book / Page	38078 / 92
Instrument Date	Sep 19, 2023
Instrument	27688
Transaction Type	Transfer
Record Updated	Oct 9, 2023

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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	445 E RIDING DR, CARLISLE, MA 01741-1637

Mortgage

Document Number	0000027689
Date	Sep 19, 2023
Instrument	27689

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Oct 1, 2030
Max Rate At Change	2.5%
Index	1-Year CMT

March 2023: Quit Claim Deed, Construction Loan

Document Type	Quit Claim Deed
Jurisdiction	CARLISLE MA
Recording Date	Mar 31, 2023
Property Address	445 E RIDING DR, CARLISLE, MA 01741-1637
Document Number	037754-243
Book / Page	37754 / 243
Instrument Date	Mar 31, 2023
Instrument	8843
Transaction Type	Construction Loan
Record Updated	Apr 14, 2023

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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 CENTRAL ST, ACTON, MA 01720-2725

Mortgage

Document Number	0000008844
Date	Mar 31, 2023
Instrument	8844

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 445 E Riding Dr was $20,802, up 2% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Carlisle Town
Elementary School District	Carlisle School District (PK - 08)
Secondary School District	Concord-Carlisle School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$20,802.00 (+1.95%)	$1,622,600 (+4.81%) Land $667,900 Building $870,000	$1,750,090 (-)
2025	$20,404.00 (+14.42%)	$1,548,100 (+15.73%) Land $620,700 Building $927,400	$1,750,090 (+15.75%)
2024	$17,832.00 (+1.38%)	$1,337,700 (+7.61%) Land $577,100 Building $760,600	$1,512,020
2023	$17,590.00	$1,243,100 Land $676,400 Building $566,700

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

Flood

FEMA maps place 445 E Riding Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2001 · Severe Storms And Flooding

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 445 E Riding Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · above 98.2% of Massachusetts
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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