495 Wheeler Rd, Ashby, MA 01431 Property Records

Middlesex County and Ashby Town property record for 495 Wheeler Rd, Ashby, MA 01431

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 3,318 sqft · built 1966
Lot Size	10.1 acres (442,875 sqft)
Owner	2 Individual Names on Record
Last Sale	$630,000 (May 2024)
Tax Bill	$8,986 (2026)
Deeds & Mortgages	May 2026 Mortgage May 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ASHB M:005.0 B:0040 L:0000.0`

Property Details

APN / Parcel Number

Primary APN	`ASHB M:005.0 B:0040 L:0000.0`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,318 sqft Living Area
Gross Area	3,405 sqft
1st Floor Area	1,846 sqft
Basement Area	1,447 sqft
Unfinished Basement	1,447 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	442,875 sqft (10.1 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	495 WHEELER RD
City	ASHBY
State	MA
Zip	01431-1932
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA
Legal Block	40
Jurisdiction	ASHBY MA
Township / Civil Division	ASHBY
Census Block Group	2
Census Block	2020
Census Tract	300100

Owner

Source: Middlesex County and Ashby 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	495 WHEELER RD, ASHBY, MA 01431-1932
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Deed of Trust · Conventional Mortgage LOANDEPOT.COM LLC
May 3, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2024 · Amount on Record
Deed Sale	May 3, 2024 · Amount on Record
Prior Sale	Apr 27, 2001 · Amount on Record
Deed Document Number	202445193
Deed Book / Page	82732 / 425
Prior Transfer Date	May 2, 2024
Prior Transfer Doc	082732-425
Record Updated	Oct 29, 2026

May 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	ASHBY MA
Recording Date	May 26, 2026
Property Address	495 WHEELER RD, ASHBY, MA 01431-1932
Document Number	085641-536
Book / Page	85641 / 536
Instrument Date	May 19, 2026
Instrument	202660338
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 WHEELER RD, ASHBY, MA 01431-1932

Mortgage

Document Number	0000060338,
Date	May 26, 2026
Book Page	85641/536
Instrument	202660338

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2046

Interest

Rate	6.23%
Max Rate	-1%

May 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHBY MA
Recording Date	May 3, 2024
Property Address	495 WHEELER RD, ASHBY, MA 01431-1932
Document Number	082732-425
Book / Page	82732 / 425
Instrument Date	May 2, 2024
Instrument	45193
Transaction Type	Transfer
Record Updated	May 17, 2024

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	Joint Tenants with Right of Survivorship
Address	495 WHEELER RD, ASHBY, MA 01431-1932

Mortgage

Document Number	0000045194
Date	May 3, 2024
Instrument	45194

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,986.00 (-1.34%)	$570,200 (-4.65%) Land $80,900 Building $489,300	$625,033 (-3.39%)
2025	$9,108.00 (+3.55%)	$598,000 (+5.58%) Land $76,200 Building $521,800	$646,950 (+10.53%)
2024	$8,796.00 (+5.34%)	$566,400 (+11.39%) Land $73,400 Building $493,000	$585,295
2023	$8,350.00	$508,500 Land $67,800 Building $440,700

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

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	0.02% annual chance
Exposure	Direct burnable vegetation

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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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