451 Wares Rd, Ashby, MA 01431 Property Records

Middlesex County and Ashby Town property record for 451 Wares Rd, Ashby, MA 01431

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,492 sqft · built 1978
Lot Size	1.6 acres (69,696 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (May 2022)
Tax Bill	$8,949 (2026)
Deeds & Mortgages	Mar 2022 Line of Credit May 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ASHB M:015.0 B:0073 L:0024.0`

Property Details

APN / Parcel Number

Primary APN	`ASHB M:015.0 B:0073 L:0024.0`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	3,492 sqft Living Area
Gross Area	3,776 sqft
1st Floor Area	2,201 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	69,696 sqft (1.6 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	451 WARES RD
City	ASHBY
State	MA
Zip	01431-2138
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	73
Legal Lot Number	24.0
Jurisdiction	ASHBY MA
Township / Civil Division	ASHBY
Census Block Group	2
Census Block	2032
Census Tract	300100

Owner

451 Wares Rd is owned and occupied by two individuals who bought it in May 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	451 WARES RD, ASHBY, MA 01431-2138
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
Mar 14, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
May 16, 2022	Deed, Transfer · Stand-Alone First Mortgage MOVEMENT MORTGAGE
Dec 4, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU
Dec 29, 2017	Quit Claim Deed, Transfer · Conventional with PMI JEANNE D'ARC CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2022 · Amount on File
Deed Sale	May 16, 2022 · Amount on File
Prior Sale	Dec 29, 2017 · Amount on File
Deed Book / Page	80133 / 17
Transfer Doc	070459-113
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBY MA
Property Address	451 WARES RD, ASHBY, MA 01431-2138
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079813-152
Date	Mar 14, 2022
Book Page	79813/152
Instrument	37926

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ASHBY MA
Recording Date	May 16, 2022
Property Address	451 WARES RD, ASHBY, MA 01431-2138
Document Number	0080133-17
Book / Page	80133 / 17
Instrument Date	May 13, 2022
Instrument	73312
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	451 WARES RD, ASHBY, MA 01431-2138

Mortgage

Document Number	0000073313
Date	May 16, 2022
Instrument	73313

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBY MA
Property Address	451 WARES RD, ASHBY, MA 01431-2138
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73765-107
Date	Dec 4, 2019
Book Page	73765/107
Instrument	191008

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2051

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHBY MA
Recording Date	Dec 29, 2017
Property Address	451 WARES RD, ASHBY, MA 01431-2138
Document Number	70459-113
Book / Page	070459 / 000113
Instrument Date	Dec 29, 2017
Instrument	211481
Transaction Type	Transfer
Record Updated	Jan 16, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,482.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	451 WARES RD ASHBY MA 014312138, ASHBY, MA 01431-2138

Mortgage

Document Number	70459-116
Date	Dec 29, 2017
Book Page	070459/000116
Instrument	211482

Lender

Name	JEANNE D'ARC CU
Type	Credit Union

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 28, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 451 Wares Rd was $8,949, up 2.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,949.00 (+2.33%)	$567,800 (-1.11%) Land $66,400 Building $501,400	$626,074 (-7.06%)
2025	$8,745.00 (-1.36%)	$574,200 (+0.58%) Land $66,400 Building $507,800	$673,645 (+3.52%)
2024	$8,866.00 (+19.58%)	$570,900 (+26.45%) Land $64,000 Building $506,900	$650,750
2023	$7,414.00	$451,500 Land $59,200 Building $392,300

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

Flood

FEMA maps place 451 Wares Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 451 Wares Rd is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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