46 Union St, Natick, MA 01760 Property Records

Middlesex County and Natick Town property record for 46 Union St, Natick, MA 01760

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,436 sqft · built 1920
Lot Size	0.817 acres (35,610 sqft)
Owner	2 Individual Names on File
Last Sale	$789,000 (Sep 2023)
Tax Bill	$9,012 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`45-00000010`

Property Details

APN / Parcel Number

Primary APN	`45-00000010`
Alternative APN	`NATI M:00000045 P:00000010`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,436 sqft Living Area
1st Floor Area	840 sqft
Basement Area	840 sqft
Unfinished Basement	840 sqft
Game Room	Game Room

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2002
Architectural Style	Bungalow
Exterior Material	Wood Siding
Lot Area	35,610 sqft (0.817 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	45-00000010
Street Address	46 UNION ST
City	NATICK
State	MA
Zip	01760-6004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSC
Jurisdiction	NATICK MA
Township / Civil Division	NATICK
Census Block Group	4
Census Block	4007
Census Tract	382300

Owner

46 Union St is owned and occupied by two individuals who bought it in September 2023.

Source: Middlesex County and Natick Town records, as of April 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	46 UNION ST, NATICK, MA 01760-6004
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2023 · Amount on File
Deed Sale	Sep 22, 2023 · Amount on File
Prior Sale	Apr 30, 2014 · Amount on File
Deed Book / Page	82024 / 345
Transfer Doc	63554-312
Record Updated	Oct 29, 2026

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Sep 22, 2023
Property Address	46 UNION ST, NATICK, MA 01760-6004
Document Number	082024-345
Book / Page	82024 / 345
Instrument Date	Sep 22, 2023
Instrument	107363
Transaction Type	Transfer
Record Updated	Nov 11, 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	Joint Tenants with Right of Survivorship
Address	46 UNION ST, NATICK, MA 01760-6004

Mortgage

Document Number	0000107364
Date	Sep 22, 2023
Instrument	107364

Lender

Name	PROVINCE MORTGAGE ASSOCIATES INC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 46 Union St was $9,012, up 4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,012.00 (+4.03%)	$753,500 (+6.64%) Land $456,900 Building $296,600	$739,385
2024	$8,663.00 (+2.87%)	$706,600 (+6.06%) Land $431,600 Building $275,000
2023	$8,421.00	$666,200 Land $401,500 Building $264,700

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

Flood

FEMA maps place 46 Union St in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1979.

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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	24 (1979–2024)
Claims Outside the SFHA	4 of 24
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Apr 2010 · 11 claims Severe Storms & Flooding, Apr 1987 · 4 claims

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

Wildfire risk around 46 Union St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 96% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 163 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
T-Mobile Fixed Wireless	100 / 20