Middlesex County and Natick Town property record for 46 W Central St, Natick, MA 01760
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,996 sqft · built 1940 |
| Lot Size | 0.187 acres (8,159 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $605,000 (May 2014) |
| Tax Bill | $11,331 (2025) |
| Deeds & Mortgages | Sep 2023 Refinance Mar 2025 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 43-00000280 |
| Primary APN | 43-00000280 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 2,996 sqft Living Area |
| 1st Floor Area | 925 sqft |
| Basement Area | 992 sqft |
| Unfinished Basement | 992 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Lot Area | 8,159 sqft (0.187 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 43-00000280 |
|---|---|
| Street Address | 46 W CENTRAL ST |
| City | NATICK |
| State | MA |
| Zip | 01760-4446 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSA |
| Legal Subdivision | BEAR HILL PLAZA |
| Jurisdiction | NATICK MA |
| Township / Civil Division | NATICK |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 382500 |
Source: Middlesex County and Natick Town records, as of April 14, 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 W CENTRAL ST, NATICK, MA 01760-4446 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 13, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance FIGURE LENDING LCC |
| Mar 19, 2025 | Deed of Trust, Mortgage · Stand-Alone Refinance NEEDHAM BANK |
| Jul 18, 2018 | Deed of Trust, Mortgage · Line of Credit INST SVGS NEWBURYPORT |
| Jul 31, 2019 | Deed of Trust, Mortgage · Balloon Mortgage FIGURE LENDING LCC |
| Jun 23, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance SERVICE CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 15, 2014 · Amount on Record |
| Deed Sale | May 15, 2014 · Amount on Record |
| Prior Sale | Sep 5, 2006 |
| Deed Book / Page | 63617 / 351 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NATICK MA |
| Property Address | 46 W CENTRAL ST, NATICK, MA 01760-4446 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 081988-516 |
|---|---|
| Date | Sep 13, 2023 |
| Book Page | 81988/516 |
| Instrument | 103112 |
| Name | FIGURE LENDING LCC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NATICK MA |
| Property Address | 46 W CENTRAL ST, NATICK, MA 01760-4446 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0083874-57 |
|---|---|
| Date | Mar 19, 2025 |
| Book Page | 83874/57 |
| Instrument | 28068 |
| Name | NEEDHAM BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NATICK MA |
| Property Address | 46 W CENTRAL ST, NATICK, MA 01760-4446 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 71332-517 |
|---|---|
| Date | Jul 18, 2018 |
| Book Page | 71332/517 |
| Instrument | 106947 |
| Name | INST SVGS NEWBURYPORT |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NATICK MA |
| Property Address | 46 W CENTRAL ST, NATICK, MA 01760-4446 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 73027-144 |
|---|---|
| Date | Jul 31, 2019 |
| Book Page | 73027/144 |
| Instrument | 111447 |
| Name | FIGURE LENDING LCC |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NATICK MA |
| Property Address | 46 W CENTRAL ST, NATICK, MA 01760-4446 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74951-450 |
|---|---|
| Date | Jun 23, 2020 |
| Book Page | 74951/450 |
| Instrument | 98654 |
| Name | SERVICE CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
Source: Middlesex County and Natick Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Natick Town |
| Unified School District | Natick School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,331.00 (+4.03%) | $947,400 (+6.64%) Land $386,400 Building $561,000 | $983,250 |
| 2024 | $10,892.00 (+4.1%) | $888,400 (+7.32%) Land $364,900 Building $523,500 | |
| 2023 | $10,463.00 | $827,800 Land $343,400 Building $484,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 714 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 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures