46 Orchard Dr, Stow, MA 01775 Property Records

Middlesex County and Stow Town property record for 46 Orchard Dr, Stow, MA 01775

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 2,428 sqft · built 2007
Lot Size	36.7 acres (1,599,459 sqft)
Owner	2 Individual Names on Record
Last Sale	$490,000 (Oct 2017)
Tax Bill	$12,763 (2026)
Deeds & Mortgages	Apr 2020 Line of Credit May 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R-10 65A-51`

Property Details

APN / Parcel Number

Primary APN	`R-10 65A-51`
Alternative APNs	`STOW M:000R-10 P:065A-51` `M:000R=10 P:065A=51`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,428 sqft Living Area
Gross Area	4,174 sqft
1st Floor Area	1,058 sqft
Basement Area	1,058 sqft
Unfinished Basement	1,058 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	1,599,459 sqft
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	R-10 65A-51
Street Address	46 ORCHARD DR
City	STOW
State	MA
Zip	01775-1069
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	I,B
Jurisdiction	STOW MA
Township / Civil Division	STOW
Census Block Group	2
Census Block	2000
Census Tract	323102

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	46 ORCHARD DR, STOW, MA 01775-1069
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2020	Deed of Trust, Mortgage · Line of Credit ST MARY'S CU
May 17, 2018	Deed of Trust, Mortgage · Line of Credit ST MARY'S CU
Oct 5, 2017	Quit Claim Deed, Transfer · Conventional Mortgage ST MARY'S CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2017 · Amount on Record
Deed Sale	Oct 5, 2017 · Amount on Record
Prior Sale	May 25, 2007 · Amount on Record
Deed Book / Page	70041 / 192
Transfer Doc	070041-192
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	46 ORCHARD DR, STOW, MA 01775-1069
Document Number	74545-138
Instrument Date	Apr 22, 2020
Transaction Type	Mortgage
Record Updated	May 19, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 ORCHARD DR STOW MA 017751069, STOW, MA 01775-1069

Mortgage

Document Number	74545-138
Date	Apr 27, 2020
Book Page	074545/000138
Instrument	61673

Lender

Name	ST MARY'S CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	46 ORCHARD DR, STOW, MA 01775-1069
Document Number	71039-311
Instrument Date	May 17, 2018
Transaction Type	Mortgage
Record Updated	Jun 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 ORCHARD DR #46 STOW MA 017751069, 46, STOW, MA 01775-1069

Mortgage

Document Number	71039-311
Date	May 22, 2018
Book Page	071039/000311
Instrument	71319

Lender

Name	ST MARY'S CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STOW MA
Recording Date	Oct 5, 2017
Property Address	46 ORCHARD DR, STOW, MA 01775-1069
Document Number	70041-192
Book / Page	070041 / 000192
Instrument Date	Aug 23, 2017
Instrument	2061
Transaction Type	Transfer
Record Updated	Oct 24, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,234.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	46 ORCHARD DR #46 STOW MA 017751069, 46, STOW, MA 01775-1069

Mortgage

Document Number	70041-196
Date	Oct 5, 2017
Book Page	070041/000196
Instrument	2062

Lender

Name	ST MARY'S CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 4, 2047

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	$12,763.00 (+1.65%)	$714,200 (-0.92%) Building $714,200	$722,115 (+4.4%)
2025	$12,556.00 (+5.98%)	$720,800 (+3.25%) Building $720,800	$691,695
2024	$11,847.00 (-2.66%)	$698,100 (+3.99%) Building $698,100
2023	$12,171.00	$671,300 Building $671,300

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.01% annual chance
Exposure	Indirect within ember reach

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	VILLAGES AT STOW private · serves 300 people · EPA ID MA2286024
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2021–2023) 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 93 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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