45 Ridgewood Dr, Stow, MA 01775 Property Records

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

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,695 sqft · built 2018
Owner	Individual Name on Record
Last Sale	$557,589 (Mar 2019)
Tax Bill	$10,353 (2025)
Deeds & Mortgages	Apr 2020 Refinance Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R-18 22B-16`

Property Details

APN / Parcel Number

Primary APN	`R-18 22B-16`
Alternative APN	`STOW M:000R-18 P:022B-16`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,695 sqft Living Area
Gross Area	4,073 sqft
1st Floor Area	2,120 sqft
Basement Area	2,120 sqft
Unfinished Basement	2,120 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R-18 22B-16
Street Address	45 RIDGEWOOD DR
City	STOW
State	MA
Zip	01775-1264
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	I
Jurisdiction	STOW MA
Township / Civil Division	STOW
Census Block Group	3
Census Block	3017
Census Tract	323102

Owner

Source: Middlesex County and Stow Town records, as of April 14, 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 Record
Mailing Address	45 RIDGEWOOD DR, STOW, MA 01775-1264
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BAY EQUITY LLC
Mar 1, 2019	Condominium Deed, Transfer · Stand-Alone First Mortgage TBI MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2019 · Amount on Record
Deed Sale	Mar 1, 2019 · Amount on Record
Deed Document Number	201926141
Deed Book / Page	72289 / 489
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	45 RIDGEWOOD DR, STOW, MA 01775-1264
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74486-151
Date	Apr 17, 2020
Book Page	74486/151
Instrument	56772

Lender

Name	BAY EQUITY LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

March 2019: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	STOW MA
Recording Date	Mar 1, 2019
Property Address	45 RIDGEWOOD DR, STOW, MA 01775-1264
Document Number	72289-489
Book / Page	72289 / 489
Instrument Date	Feb 14, 2019
Instrument	26141
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	45 RIDGEWOOD DR, STOW, MA 01775-1264

Mortgage

Document Number	26142
Date	Mar 1, 2019
Instrument	26142

Lender

Name	TBI MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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
2025	$10,353.00 (+7.19%)	$594,300 (+4.41%) Building $594,300	$734,730
2024	$9,659.00 (+15.69%)	$569,200 (+23.6%) Building $569,200
2023	$8,349.00	$460,500 Building $460,500

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

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

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	0.02% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	REGENCY AT STOW CONDOMINIUMS private · serves 132 people · EPA ID MA2286033
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Aug 2023
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 56 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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