5 Penny Ln, Townsend, MA 01469 Property Records

Middlesex County and Townsend Town property record for 5 Penny Ln, Townsend, MA 01469

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,202 sqft · built 2010
Lot Size	0.613 acres (26,681 sqft)
Owner	2 Individual Names on File
Last Sale	$356,000 (Apr 2019)
Tax Bill	$7,715 (2026)
Deeds & Mortgages	Feb 2021 Refinance Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`TOWN M:0027 B:0038 L:0014`

Property Details

APN / Parcel Number

Primary APN	`TOWN M:0027 B:0038 L:0014`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,202 sqft Living Area
Gross Area	4,998 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,681 sqft (0.613 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Space Heater
Heating Fuel	Electric

Location & Zoning

Street Address	5 PENNY LN
City	TOWNSEND
State	MA
Zip	01469-2000
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA3
Legal Subdivision	COPPERSMITH WAY DEV
Legal Block	38
Legal Lot Number	14
Jurisdiction	TOWNSEND MA
Township / Civil Division	TOWNSEND
Census Block Group	1
Census Block	1017
Census Tract	301101

Owner

5 Penny Ln is owned and occupied by two individuals who bought it in April 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	5 PENNY LN, TOWNSEND, MA 01469-2000
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Feb 18, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Mar 25, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 12, 2019	Quit Claim Deed, Transfer · VA Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2019 · Amount on File
Deed Sale	Apr 12, 2019 · Amount on File
Prior Sale	Nov 28, 2011 · Amount on File
Deed Document Number	201945715
Deed Book / Page	72451 / 341
Prior Transfer Date	Mar 22, 2019
Prior Transfer Doc	72451-341
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOWNSEND MA
Property Address	5 PENNY LN, TOWNSEND, MA 01469-2000
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	076991-460
Date	Feb 18, 2021
Book Page	76991/460
Instrument	36250

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	337 Months
Due	Mar 1, 2049

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOWNSEND MA
Property Address	5 PENNY LN, TOWNSEND, MA 01469-2000
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74350-559
Date	Mar 25, 2020
Book Page	74350/559
Instrument	44522

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Apr 1, 2049

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TOWNSEND MA
Recording Date	Apr 12, 2019
Property Address	5 PENNY LN, TOWNSEND, MA 01469-2000
Document Number	72451-341
Book / Page	072451 / 000341
Instrument Date	Mar 22, 2019
Instrument	45715
Transaction Type	Transfer
Record Updated	Jan 10, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,623.36
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	5 PENNY LN TOWNSEND MA 014692000, TOWNSEND, MA 01469-2000

Mortgage

Document Number	72451-348
Date	Apr 12, 2019
Book Page	072451/000348
Instrument	45716

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 11, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 5 Penny Ln was $7,715, down 1.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,715.00 (-1.68%)	$561,100 (+3.83%) Land $104,700 Building $456,400	$494,000 (-)
2025	$7,847.00 (+3.63%)	$540,400 (+2.84%) Land $92,100 Building $448,300	$494,000 (+3.01%)
2024	$7,572.00 (+8.06%)	$525,500 (+14.44%) Land $92,100 Building $433,400	$479,560
2023	$7,007.00	$459,200 Land $83,700 Building $375,500

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

Flood

FEMA maps place 5 Penny Ln in Zone X, an area of minimal flood risk.

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	2 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.

Wildfire

Wildfire risk around 5 Penny Ln is low, with a 0.02% 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	0.02% 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 75 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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