54 Orchard Dr, Stow, MA 01775 Property Records

Middlesex County and Stow Town property record for 54 Orchard Dr, Stow, MA 01775

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 2,352 sqft · built 2007
Lot Size	36.7 acres (1,599,459 sqft)
Owner	Individual Name on File
Last Sale	$694,000 (May 2026)
Tax Bill	$12,496 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R-10 65A-48`

Property Details

APN / Parcel Number

Primary APN	`R-10 65A-48`
Alternative APNs	`STOW M:000R-10 P:065A-48` `M:000R=10 P:065A=48`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,352 sqft Living Area
Gross Area	4,073 sqft
1st Floor Area	1,025 sqft
Basement Area	1,025 sqft
Unfinished Basement	1,025 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
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-48
Street Address	54 ORCHARD DR
City	STOW
State	MA
Zip	01775-1069
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	I,B
Jurisdiction	STOW MA
Township / Civil Division	STOW
Census Block Group	2
Census Block	2000
Census Tract	323102

Owner

54 Orchard Dr, a condominium, is owned and occupied by an individual who bought it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	54 ORCHARD DR, STOW, MA 01775-1069
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
May 6, 2026	Condominium Deed, Transfer · Conventional Mortgage GUARANTEED RATE, INC
Aug 13, 2020	Deed of Trust, Mortgage · ARM DIGITAL FCU
Nov 15, 2017	Quit Claim Deed, Transfer · ARM DIGITAL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2026 · Amount on File
Deed Sale	May 6, 2026 · Amount on File
Prior Sale	Nov 15, 2017 · Amount on File
Deed Document Number	202651612
Deed Book / Page	85562 / 146
Transfer Doc	070241-182
Record Updated	Oct 29, 2026

May 2026: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	STOW MA
Recording Date	May 6, 2026
Property Address	54 ORCHARD DR, STOW, MA 01775-1069
Document Number	085562-146
Book / Page	85562 / 146
Instrument Date	May 1, 2026
Instrument	2026.51612
Transaction Type	Transfer
Record Updated	May 28, 2026

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	Tenants by the Entirety
Address	54 ORCHARD DR, STOW, MA 01775-1069

Mortgage

Date	May 6, 2026

Lender

Name	GUARANTEED RATE, INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.38%
Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	54 ORCHARD DR, STOW, MA 01775-1069
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75357-263
Date	Aug 13, 2020
Book Page	75357/263
Instrument	137088

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Sep 1, 2025
Index	1-Year CMT

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STOW MA
Recording Date	Nov 15, 2017
Property Address	54 ORCHARD DR, STOW, MA 01775-1069
Document Number	70241-182
Book / Page	70241 / 182
Instrument	186260
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$91.54
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 ORCHARD DR, STOW, MA 01775-1069

Mortgage

Document Number	702410186
Date	Nov 15, 2017
Instrument	70241/0186

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Nov 15, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.13%
Max Rate At Change	20.1%
Max Rate	2.75%

Tax Assessment & Valuation

The 2026 property tax bill for 54 Orchard Dr was $12,496, 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	$12,496.00 (+1.62%)	$699,300 (-0.93%) Building $699,300	$673,901 (+0.12%)
2025	$12,297.00 (+5.99%)	$705,900 (+3.25%) Building $705,900	$673,075
2024	$11,602.00 (-2.66%)	$683,700 (+4%) Building $683,700
2023	$11,919.00	$657,400 Building $657,400

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

Flood

FEMA maps place 54 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 54 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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