49 Orchard Dr, Stow, MA 01775 Property Records

Middlesex County and Stow Town property record for 49 Orchard Dr, Stow, MA 01775

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 2,226 sqft · built 2009
Lot Size	36.7 acres (1,599,459 sqft)
Owner	2 Individual Names on File
Last Sale	$415,000 (Aug 2016)
Tax Bill	$11,751 (2026)
Deeds & Mortgages	Sep 2021 Refinance Mar 2021 Refinance + 5 more
Flood Zone	Zone X (minimal risk)
APN	`R-10 65A-42`

Property Details

APN / Parcel Number

Primary APN	`R-10 65A-42`
Alternative APNs	`STOW M:000R-10 P:065A-42` `M:000R=10 P:065A=42`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,226 sqft Living Area
Gross Area	3,748 sqft
1st Floor Area	889 sqft
Basement Area	889 sqft
Unfinished Basement	889 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Colonial
Exterior Material	Wood Siding
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-42
Street Address	49 ORCHARD DR
City	STOW
State	MA
Zip	01775-1067
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	I,B
Legal Subdivision	STOW CONDO
Jurisdiction	STOW MA
Township / Civil Division	STOW
Census Block Group	2
Census Block	2000
Census Tract	323102

Owner

49 Orchard Dr, a condominium, is owned and occupied by two individuals who bought it in August 2016.

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 File
Mailing Address	49 ORCHARD DR, STOW, MA 01775-1067
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHSTAR MORTGAGE CORP
Mar 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHSTAR MORTGAGE CORP
Sep 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHSTAR MORTGAGE CORP
Jul 7, 2017	Deed of Trust, Mortgage · ARM NORTHSTAR MTG CORP
Apr 24, 2019	Deed of Trust, Mortgage · ARM NORTHSTAR MORTGAGE CORP
Nov 8, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHSTAR MORTGAGE CORP
Jun 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHSTAR MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2016 · Amount on File
Deed Sale	Aug 11, 2016 · Amount on File
Prior Sale	Aug 23, 2010 · Amount on File
Deed Book / Page	67793 / 487
Transfer Doc	067793-487
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	49 ORCHARD DR, STOW, MA 01775-1067
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078657-545
Date	Sep 9, 2021
Book Page	78657/545
Instrument	200846

Lender

Name	NORTHSTAR MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2041

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	49 ORCHARD DR, STOW, MA 01775-1067
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077093-542
Date	Mar 1, 2021
Book Page	77093/542
Instrument	45042

Lender

Name	NORTHSTAR MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2041

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	49 ORCHARD DR, STOW, MA 01775-1067
Transaction Type	Mortgage
Record Updated	Sep 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78657-545
Date	Sep 9, 2021
Book Page	78657/545
Instrument	200846

Lender

Name	NORTHSTAR MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2041

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	49 ORCHARD DR, STOW, MA 01775-1067
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69568-319
Date	Jul 7, 2017
Book Page	69568/319
Instrument	105497

Lender

Name	NORTHSTAR MTG CORP
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	49 ORCHARD DR, STOW, MA 01775-1067
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72498-447
Date	Apr 24, 2019
Book Page	72498/447
Instrument	51253

Lender

Name	NORTHSTAR MORTGAGE CORP

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Type Change Date	May 1, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	49 ORCHARD DR, STOW, MA 01775-1067
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73620-489
Date	Nov 8, 2019
Book Page	73620/489
Instrument	175264

Lender

Name	NORTHSTAR MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	49 ORCHARD DR, STOW, MA 01775-1067
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74909-87
Date	Jun 17, 2020
Book Page	74909/87
Instrument	94677

Lender

Name	NORTHSTAR MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 49 Orchard Dr was $11,751, up 1.6% from the year before.

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	$11,751.00 (+1.59%)	$657,600 (-0.96%) Building $657,600	$674,173 (+10.25%)
2025	$11,567.00 (+8.17%)	$664,000 (+5.38%) Building $664,000	$611,515
2024	$10,693.00 (+4.11%)	$630,100 (+11.23%) Building $630,100
2023	$10,271.00	$566,500 Building $566,500

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

Flood

FEMA maps place 49 Orchard Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 49 Orchard Dr is low, with 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 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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