45 Orchard Dr, Stow, MA 01775 Property Records

Middlesex County and Stow Town property record for 45 Orchard Dr, Stow, MA 01775

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 2,050 sqft · built 2007
Lot Size	36.7 acres (1,599,459 sqft)
Owner	Individual Name on File
Last Sale	$262,246 (Dec 2020)
Tax Bill	$5,118 (2026)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Jan 2017 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`R-10 65A-40`

Property Details

APN / Parcel Number

Primary APN	`R-10 65A-40`
Alternative APNs	`STOW M:000R-10 P:065A-40` `M:000R=10 P:065A=40`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,050 sqft Living Area
Gross Area	3,704 sqft
1st Floor Area	927 sqft
Basement Area	961 sqft
Unfinished Basement	961 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	1,599,459 sqft
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R-10 65A-40
Street Address	45 ORCHARD DR
City	STOW
State	MA
Zip	01775-1067
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	I,B
Jurisdiction	STOW MA
Township / Civil Division	STOW
Census Block Group	2
Census Block	2000
Census Tract	323102

Owner

45 Orchard Dr, a condominium, is owned and occupied by an individual who bought it in December 2020.

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

Owner of Record	Individual Name on File
Mailing Address	45 ORCHARD DR, STOW, MA 01775-1067
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
Dec 1, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC
Jan 18, 2017	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2020 · Amount on File
Deed Sale	Dec 1, 2020 · Amount on File
Prior Sale	Jan 18, 2017 · Amount on File
Deed Document Number	2020227473
Deed Book / Page	76317 / 181
Prior Transfer Date	Oct 14, 2020
Prior Transfer Doc	0000227473
Record Updated	Oct 29, 2026

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STOW MA
Recording Date	Dec 1, 2020
Property Address	45 ORCHARD DR, STOW, MA 01775-1067
Document Number	76317-181
Book / Page	76317 / 181
Instrument Date	Oct 14, 2020
Instrument	227473
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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	45 ORCHARD DR, STOW, MA 01775-1067

Mortgage

Document Number	227474
Date	Dec 1, 2020
Instrument	227474

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2017: Foreclosure

Document Type	Foreclosure
Jurisdiction	STOW MA
Recording Date	Jan 18, 2017
Property Address	45 ORCHARD DR, STOW, MA 01775-1067
Document Number	68774-505
Book / Page	068774 / 000505
Instrument Date	Dec 9, 2016
Instrument	9523
Transaction Type	Foreclosure
Record Updated	Feb 7, 2017

Transaction

Amount	Amount on Record
Tax	$1,003.42
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13801 WIRELESS WAY OKLAHOMA CITY OK 731342500, OKLAHOMA CITY, OK 73134-2500

Tax Assessment & Valuation

The 2026 property tax bill for 45 Orchard Dr was $5,118, up 10.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,118.00 (+10.88%)	$286,400 (+8.08%) Building $286,400	$295,402 (-12.33%)
2025	$4,616.00 (+3.2%)	$265,000 (+0.53%) Building $265,000	$336,965
2024	$4,473.00 (-0.89%)	$263,600 (+5.91%) Building $263,600
2023	$4,513.00	$248,900 Building $248,900

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

Flood

FEMA maps place 45 Orchard Dr 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 45 Orchard Dr 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	Indirect within 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	VILLAGES AT STOW private · serves 300 people · EPA ID MA2286024
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Orchard Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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