45 Willow St, Acton, MA 01720 Property Records

Middlesex County and Acton Town property record for 45 Willow St, Acton, MA 01720 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,906 sqft · built 1920
Lot Size	0.879 acres (38,278 sqft)
Owner	Individual Name on File
Tax Bill	$14,463 (2025)
Deeds & Mortgages	Dec 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`ACTO M:00F2B B:0074 L:0000`

Property Details

APN / Parcel Number

Primary APN	`ACTO M:00F2B B:0074 L:0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,906 sqft Living Area
Gross Area	5,767 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	38,278 sqft (0.879 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	45 WILLOW ST
City	ACTON
State	MA
Zip	01720-2814
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	74
Jurisdiction	ACTON MA
Township / Civil Division	ACTON
Census Block Group	1
Census Block	1020
Census Tract	363201

Owner

Source: Middlesex County and Acton Town records · APN ACTO M:00F2B B:0074 L:0000

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	45 WILLOW ST, ACTON, MA 01720-2814
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 27, 2012
Deed Sale	Aug 27, 2012
Prior Sale	Jun 29, 1989 · Amount on Record
Deed Document Number	201218
Deed Book / Page	59841 / 223
Record Updated	Sep 20, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	45 WILLOW ST, ACTON, MA 01720-2814
Document Number	70477-292
Book / Page	070477 / 000292
Instrument Date	Dec 30, 2017
Transaction Type	Mortgage
Record Updated	Jan 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70477-292
Date	Jan 05, 2018
Book Page	070477/000292
Instrument	2274

Lender

Name	CAMBRIDGE TR

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 04, 2028

Tax Assessment & Valuation

Source: Middlesex County and Acton Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Acton Town
Unified School District	Acton-Boxborough Regional School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,463.00 (+9.85%)	$843,300 (+6.77%) Land $285,200 Building $558,100	$840,845 (+17.09%)
2024	$13,166.00 (-1.83%)	$789,800 (+3.42%) Land $285,200 Building $504,600	$718,105
2023	$13,411.00	$763,700 Land $259,100 Building $504,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173632011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1979–1982)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 1982, rainfall accumulation

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 195 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
Verizon	Fiber	980 / 880

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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