Middlesex County and Acton Town property record for 54 Prospect St, Acton, MA 01720
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,975 sqft · built 1925 |
| Lot Size | 0.41 acres (17,859 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $366,500 (Feb 2018) |
| Tax Bill | $8,644 (2025) |
| Deeds & Mortgages | Aug 2024 Refinance Sep 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ACTO M:00G2A B:0001 L:0000 |
| Primary APN | ACTO M:00G2A B:0001 L:0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,975 sqft Living Area |
| Gross Area | 3,180 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 17,859 sqft (0.41 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 54 PROSPECT ST |
|---|---|
| City | ACTON |
| State | MA |
| Zip | 01720-3600 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 1 |
| Jurisdiction | ACTON MA |
| Township / Civil Division | ACTON |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 363202 |
Source: Middlesex County and Acton Town records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 54 PROSPECT ST, ACTON, MA 01720-3600 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 22, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC |
| Sep 25, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance FIRST GUARANTY MORTGAGE |
| Feb 1, 2018 | Quit Claim Deed, Transfer · Conventional Mortgage ROCKLAND TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 1, 2018 · Amount on Record |
| Deed Sale | Feb 1, 2018 · Amount on Record |
| Prior Sale | Feb 14, 2008 · Amount on Record |
| Deed Book / Page | 70585 / 433 |
| Transfer Doc | 070585-433 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ACTON MA |
| Property Address | 54 PROSPECT ST, ACTON, MA 01720-3600 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 083155-387 |
|---|---|
| Date | Aug 22, 2024 |
| Book Page | 83155/387 |
| Instrument | 94668 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ACTON MA |
| Property Address | 54 PROSPECT ST, ACTON, MA 01720-3600 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 75710-433 |
|---|---|
| Date | Sep 25, 2020 |
| Book Page | 75710/433 |
| Instrument | 170563 |
| Name | FIRST GUARANTY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 1, 2040 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ACTON MA |
| Recording Date | Feb 1, 2018 |
| Property Address | 54 PROSPECT ST, ACTON, MA 01720-3600 |
| Document Number | 70585-433 |
| Book / Page | 070585 / 000433 |
| Instrument Date | Feb 1, 2018 |
| Instrument | 16028 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2018 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,671.24 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 54 PROSPECT ST ACTON MA 017203600, ACTON, MA 01720-3600 |
| Document Number | 70585-436 |
|---|---|
| Date | Feb 1, 2018 |
| Book Page | 070585/000436 |
| Instrument | 16029 |
| Name | ROCKLAND TR |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 31, 2048 |
Source: Middlesex County and Acton Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Acton Town |
| Unified School District | Acton-Boxborough Regional School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,644.00 (+14.61%) | $504,000 (+11.41%) Land $270,900 Building $233,100 | $671,745 (+22.27%) |
| 2024 | $7,542.00 (+3.64%) | $452,400 (+9.17%) Land $270,900 Building $181,500 | $549,385 |
| 2023 | $7,277.00 | $414,400 Land $246,300 Building $168,100 |
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 | 4 in force |
| Nearby Flood Claims | 3 (1991–2001) |
| Most Recent Claim | Jun 2001 · rainfall accumulation |
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 95% of the US · lower than 90% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | ACTON WATER SUPPLY DISTRICT serves 21,285 people · EPA ID MA2002000 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Oct 2024 |
| Lead | 4 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 22 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.
Source: FCC Broadband Data Collection, based on 132 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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