46 Oak St, Dunstable, MA 01827 Property Records

Middlesex County and Dunstable Town property record for 46 Oak St, Dunstable, MA 01827

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 4,913 sqft · built 1984
Lot Size	2.98 acres (129,809 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,055,000 (Nov 2025)
Tax Bill	$13,701 (2026)
Deeds & Mortgages	Mar 2021 Refinance Sep 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`DUNS M:0011 B:0013 L:0`

Property Details

APN / Parcel Number

Primary APN	`DUNS M:0011 B:0013 L:0`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,913 sqft Living Area
Gross Area	10,203 sqft
1st Floor Area	1,836 sqft
Basement Area	2,760 sqft
Unfinished Basement	2,760 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	129,809 sqft (2.98 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	46 OAK ST
City	DUNSTABLE
State	MA
Zip	01827-1615
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	13
Jurisdiction	DUNSTABLE MA
Township / Civil Division	DUNSTABLE
Census Block Group	1
Census Block	1016
Census Tract	328100

Owner

Source: Middlesex County and Dunstable 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	2 Individual Names on Record
Mailing Address	46 OAK ST, DUNSTABLE, MA 01827-1615
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
Sep 15, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) DIGITAL FCU
Jul 23, 2025	Deed of Trust, Mortgage · Line of Credit DIGITAL FCU
Jun 16, 2025	Deed of Trust, Mortgage · Second Mortgage (Down Payment) DIGITAL FCU
Nov 7, 2025	Quit Claim Deed, Transfer · Conventional Mortgage WORKERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2025 · Amount on Record
Deed Sale	Nov 7, 2025 · Amount on Record
Prior Sale	Oct 28, 2002 · Amount on Record
Deed Document Number	202535982
Deed Book / Page	39651 / 99
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUNSTABLE MA
Property Address	46 OAK ST, DUNSTABLE, MA 01827-1615
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	035538-122
Date	Mar 29, 2021
Book Page	35538/122
Instrument	18386

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUNSTABLE MA
Property Address	46 OAK ST, DUNSTABLE, MA 01827-1615
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00037376-6
Date	Sep 15, 2022
Book Page	37376/6
Instrument	38819

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2042

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUNSTABLE MA
Property Address	46 OAK ST, DUNSTABLE, MA 01827-1615
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039401-28
Date	Jul 23, 2025
Book Page	39401/28
Instrument	22625

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Aug 1, 2065

Interest

Rate Type	Adjustable Rate

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUNSTABLE MA
Property Address	46 OAK ST, DUNSTABLE, MA 01827-1615
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039318-39
Date	Jun 16, 2025
Book Page	39318/39
Instrument	18070

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2045

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DUNSTABLE MA
Recording Date	Nov 7, 2025
Property Address	46 OAK ST, DUNSTABLE, MA 01827-1615
Document Number	0039651-99
Book / Page	39651 / 99
Instrument Date	Nov 7, 2025
Instrument	35982
Transaction Type	Transfer
Record Updated	Apr 3, 2026

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
Relationship	Tenants by the Entirety
Address	46 OAK ST, DUNSTABLE, MA 01827-1615

Mortgage

Document Number	0000035983
Date	Nov 7, 2025
Instrument	35983

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Dec 1, 2030
Index	1-Year CMT

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$13,701.00 (-2.62%)	$1,023,200 (-) Land $229,800 Building $786,500	$1,076,255 (-)
2025	$14,069.00 (+4.44%)	$1,023,200 (+6.03%) Land $229,800 Building $793,400	$1,076,255 (+1.71%)
2024	$13,471.00 (+2.11%)	$965,000 (+9.5%) Land $209,600 Building $755,400	$1,058,205
2023	$13,193.00	$881,300 Land $209,600 Building $671,700

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	4 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 66% of the US · above 98.9% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G and 4G LTE (outdoors only)

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