45 Saw Mill Rd, Stow, MA 01775 Property Records

Middlesex County and Stow Town property record for 45 Saw Mill Rd, Stow, MA 01775

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,498 sqft · built 1973
Lot Size	0.92 acres (40,075 sqft)
Owner	Company Name on Record
Last Sale	$212,000 (Jan 1996)
Tax Bill	$10,676 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`R-15 000105`

Property Details

APN / Parcel Number

Primary APN	`R-15 000105`
Alternative APNs	`STOW M:000R-15 P:105` `M:000R=15 P:105`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,498 sqft Living Area
Gross Area	2,963 sqft
1st Floor Area	1,410 sqft
Basement Area	1,200 sqft
Unfinished Basement	1,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1982
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,075 sqft (0.92 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	R-15 000105
Street Address	45 SAW MILL RD
City	STOW
State	MA
Zip	01775-1354
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Jurisdiction	STOW MA
Township / Civil Division	STOW
Census Block Group	2
Census Block	2002
Census Tract	323101

Owner

Source: Middlesex County and Stow 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	Company Name on Record
Mailing Address	45 SAW MILL RD, STOW, MA 01775-1354
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2026	Deed of Trust, Mortgage CITIZENS BANK
Mar 1, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 1996 · Amount on Record
Deed Sale	Jan 26, 1996 · Amount on Record
Last Transfer Date	Feb 22, 2019
Transfer Doc	72283-337
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	45 SAW MILL RD, STOW, MA 01775-1354
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	085328-585
Date	Mar 12, 2026
Book Page	85328/585
Instrument	26877

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	301 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STOW MA
Recording Date	Mar 1, 2019
Property Address	45 SAW MILL RD, STOW, MA 01775-1354
Document Number	72283-337
Book / Page	072283 / 000337
Instrument Date	Feb 22, 2019
Instrument	25446
Transaction Type	Transfer
Record Updated	Mar 25, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	45 SAW MILL RD STOW MA 017751354, STOW, MA 01775-1354

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
2026	$10,676.00 (+11.86%)	$597,400 (+9.03%) Land $353,200 Building $244,200	$707,101 (+4.2%)
2025	$9,544.00 (+0.98%)	$547,900 (-1.62%) Land $336,400 Building $211,500	$678,585
2024	$9,451.00 (+0.83%)	$556,900 (+7.72%) Land $308,200 Building $248,700
2023	$9,373.00	$517,000 Land $280,200 Building $236,800

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	9 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	JUNIPER HILL WATER COMPANY private · serves 220 people · EPA ID MA2286000
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	5 ppb (2026) 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 36 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

Cell Coverage

5G (outdoors only) and 4G LTE

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