445 Main St, Ashby, MA 01431 Property Records

Middlesex County and Ashby Town property record for 445 Main St, Ashby, MA 01431

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,904 sqft · built 2020
Lot Size	1.41 acres (61,420 sqft)
Owner	2 Individual Names on Record
Last Sale	$383,475 (Oct 2020)
Tax Bill	$7,853 (2026)
Deeds & Mortgages	Aug 2023 Refinance Jul 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`ASHB M:010.0 B:0085 L:0002.0`

Property Details

APN / Parcel Number

Primary APN	`ASHB M:010.0 B:0085 L:0002.0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,904 sqft Living Area
Basement Area	952 sqft
Unfinished Basement	952 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	61,420 sqft (1.41 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	445 MAIN ST
City	ASHBY
State	MA
Zip	01431-2307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Block	85
Legal Lot Number	2.0
Jurisdiction	ASHBY MA
Township / Civil Division	ASHBY
Census Block Group	2
Census Block	2029
Census Tract	300100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	445 MAIN ST, ASHBY, MA 01431-2307
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance FEDERAL SAVINGS BANK
Jul 20, 2022	Deed of Trust, Mortgage · VA Mortgage AMERISAVE MORTGAGE CORP
Oct 20, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 20, 2020	Quit Claim Deed, Transfer · FHA Mortgage MORTGAGE NETWORK INC
Oct 18, 2019	Quit Claim Deed, Transfer · Conventional Mortgage RICHARD J LEHTOLA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2020 · Amount on Record
Deed Sale	Oct 20, 2020 · Amount on Record
Prior Sale	Oct 18, 2019 · Amount on Record
Deed Document Number	2020191079
Deed Book / Page	75932 / 40
Prior Transfer Date	Oct 16, 2020
Prior Transfer Doc	75932-40
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBY MA
Property Address	445 MAIN ST, ASHBY, MA 01431-2307
Transaction Type	Mortgage
Record Updated	Sep 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081889-137
Date	Aug 15, 2023
Book Page	81889/137
Instrument	91399

Lender

Name	FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBY MA
Property Address	445 MAIN ST, ASHBY, MA 01431-2307
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080456-291
Date	Jul 20, 2022
Book Page	80456/291
Instrument	110390

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2047

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHBY MA
Recording Date	Oct 20, 2020
Property Address	445 MAIN ST, ASHBY, MA 01431-2307
Document Number	75932-21
Book / Page	075932 / 000021
Instrument Date	Oct 16, 2020
Instrument	1073
Transaction Type	Transfer
Record Updated	Apr 8, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	493 LANCASTER ST LEOMINSTER MA 014537506, LEOMINSTER, MA 01453-7506

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHBY MA
Recording Date	Oct 20, 2020
Property Address	445 MAIN ST, ASHBY, MA 01431-2307
Document Number	75932-40
Book / Page	75932 / 40
Instrument Date	Oct 16, 2020
Instrument	191079
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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 MAIN ST, ASHBY, MA 01431-2307

Mortgage

Document Number	191080
Date	Oct 20, 2020
Instrument	191080

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHBY MA
Recording Date	Oct 18, 2019
Property Address	445 MAIN ST, ASHBY, MA 01431-2307
Document Number	73480-98
Book / Page	073480 / 000098
Instrument Date	Oct 7, 2019
Instrument	160541
Transaction Type	Transfer
Record Updated	Nov 15, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$456.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	493 LANCASTER ST LEOMINSTER MA 014537506, LEOMINSTER, MA 01453-7506

Mortgage

Document Number	73480-102
Date	Oct 18, 2019
Book Page	073480/000102
Instrument	160542

Lender

Name	RICHARD J LEHTOLA
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$7,853.00 (+2.55%)	$498,300 (-0.89%) Land $65,700 Building $432,600	$506,424 (+19.85%)
2025	$7,658.00 (+1.27%)	$502,800 (+3.27%) Land $65,700 Building $437,100	$422,560 (-6.55%)
2024	$7,562.00 (+8.85%)	$486,900 (+15.08%) Land $63,300 Building $423,600	$452,200
2023	$6,947.00	$423,100 Land $58,500 Building $364,600

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

Flood

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

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

Nearby Properties on Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures