Middlesex County and Natick Town property record for 45 Summer St, Natick, MA 01760
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 3 ba · 2,572 sqft · built 1900 |
| Lot Size | 0.117 acres (5,101 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $975,000 (Sep 2024) |
| Tax Bill | $9,805 (2025) |
| Deeds & Mortgages | May 2020 Refinance May 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 43-00000378 |
| Primary APN | 43-00000378 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 13 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,572 sqft Living Area |
| Basement Area | 481 sqft |
| Unfinished Basement | 481 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 5,101 sqft (0.117 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 43-00000378 |
|---|---|
| Street Address | 45 SUMMER ST |
| City | NATICK |
| State | MA |
| Zip | 01760-4511 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | DM |
| Jurisdiction | NATICK MA |
| Township / Civil Division | NATICK |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 382500 |
Source: Middlesex County and Natick 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 | Individual Name on Record |
|---|---|
| Mailing Address | 45 SUMMER ST, NATICK, MA 01760-4511 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| May 28, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA |
| May 7, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 13, 2024 · Amount on Record |
| Deed Sale | Sep 13, 2024 · Amount on Record |
| Prior Sale | May 7, 2019 · Amount on Record |
| Deed Book / Page | 83238 / 207 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NATICK MA |
| Property Address | 45 SUMMER ST, NATICK, MA 01760-4511 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74769-527 |
|---|---|
| Date | May 28, 2020 |
| Book Page | 74769/527 |
| Instrument | 81319 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NATICK MA |
| Recording Date | May 7, 2019 |
| Property Address | 45 SUMMER ST, NATICK, MA 01760-4511 |
| Document Number | 72567-187 |
| Book / Page | 72567 / 187 |
| Instrument Date | May 7, 2019 |
| Instrument | 58737 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 SUMMER ST, NATICK, MA 01760-4511 |
| Document Number | 58738 |
|---|---|
| Date | May 7, 2019 |
| Instrument | 58738 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Middlesex County and Natick Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Natick Town |
| Unified School District | Natick School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,805.00 (+4.23%) | $819,800 (+6.84%) Land $394,900 Building $424,900 | $862,068 |
| 2024 | $9,407.00 (+1.85%) | $767,300 (+5.01%) Land $372,900 Building $394,400 | |
| 2023 | $9,236.00 | $730,700 Land $351,000 Building $379,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Claims | 1 (1978) |
| Most Recent Claim | Feb 1978 · tidal / storm surge |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NATICK WATER AND SEWER DIVISION serves 37,006 people · EPA ID MA3198000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2023 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 399 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Astound Broadband Cable | 1,500 / 50 |
| Verizon Fiber | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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