632 Main St, Ashby, MA 01431 Property Records

Middlesex County and Ashby Town property record for 632 Main St, Ashby, MA 01431

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,615 sqft · built 1850
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Apr 2026)
Tax Bill	$4,414 (2026)
Deeds & Mortgages	Apr 2026 Second Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ASHB M:010.0 B:0062 L:0000.0`

Property Details

APN / Parcel Number

Primary APN	`ASHB M:010.0 B:0062 L:0000.0`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,615 sqft Living Area
1st Floor Area	1,227 sqft
Basement Area	775 sqft
Unfinished Basement	775 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,780 sqft (0.5 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	632 MAIN ST
City	ASHBY
State	MA
Zip	01431-2304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Block	62
Jurisdiction	ASHBY MA
Township / Civil Division	ASHBY
Census Block Group	1
Census Block	1032
Census Tract	300100

Owner

632 Main St is owned by two individuals who bought it in April 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	134 BROOKLINE ST, PEPPERELL, MA 01463-1141
Owner Type	Individual
Vesting	Married Person

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
Apr 3, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TOTAL MORTGAGE SERVICES
Apr 3, 2026	Quit Claim Deed, Transfer · Conventional Mortgage TOTAL MORTGAGE SERVICES
Apr 3, 2026	Quit Claim Deed, Transfer · Conventional Mortgage TOTAL MORTGAGE SERVICES
Jun 10, 2022	Deed, Transfer · Stand-Alone First Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2026 · Amount on File
Deed Sale	Apr 3, 2026 · Amount on File
Prior Sale	Jun 10, 2022 · Amount on File
Deed Document Number	202637253
Deed Book / Page	85430 / 348
Prior Transfer Date	Mar 27, 2026
Prior Transfer Doc	085430-348
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBY MA
Recording Date	Apr 3, 2026
Property Address	632 MAIN ST, ASHBY, MA 01431-2304
Document Number	085430-370
Book / Page	85430 / 370
Instrument Date	Apr 3, 2026
Instrument	202637255
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 MAIN ST, ASHBY, MA 01431-2304

Mortgage

Document Number	0000037255,
Date	Apr 3, 2026
Book Page	85430/370
Instrument	202637255

Lender

Name	TOTAL MORTGAGE SERVICES

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2041

Interest

Rate	5.43%
Max Rate	-1%

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHBY MA
Recording Date	Apr 3, 2026
Property Address	632 MAIN ST, ASHBY, MA 01431-2304
Document Number	0000037253
Book / Page	85430 / 348
Instrument Date	Mar 27, 2026
Instrument	202637253
Transaction Type	Transfer
Record Updated	Apr 23, 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
Address	134 BROOKLINE ST, PEPPERELL, MA 01463-1141

Mortgage

Date	Apr 3, 2026

Lender

Name	TOTAL MORTGAGE SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.01%
Max Rate	-1%

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHBY MA
Recording Date	Apr 3, 2026
Property Address	632 MAIN ST, ASHBY, MA 01431-2304
Document Number	085430-348
Book / Page	85430 / 348
Instrument Date	Mar 27, 2026
Instrument	202637253
Transaction Type	Transfer
Record Updated	Jul 2, 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
Address	134 BROOKLINE ST, PEPPERELL, MA 01463-1141

Mortgage

Date	Apr 3, 2026

Lender

Name	TOTAL MORTGAGE SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.01%
Max Rate	-1%

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ASHBY MA
Recording Date	Jun 10, 2022
Property Address	632 MAIN ST, ASHBY, MA 01431-2304
Document Number	080258-489
Book / Page	80258 / 489
Instrument Date	Jun 10, 2022
Instrument	87593
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	Joint Tenants with Right of Survivorship
Address	623 MAIN ST, ASHBY, MA 01431-2308

Mortgage

Document Number	0000087594
Date	Jun 10, 2022
Instrument	87594

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 632 Main St was $4,414, down 2.6% from the year before.

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	$4,414.00 (-2.65%)	$280,100 (-5.91%) Land $62,500 Building $217,600	$369,036 (+10.74%)
2025	$4,534.00 (+7.93%)	$297,700 (+10.06%) Land $62,500 Building $235,200	$333,260 (-0.28%)
2024	$4,201.00 (+7.41%)	$270,500 (+13.56%) Land $60,100 Building $210,400	$334,210
2023	$3,911.00	$238,200 Land $55,300 Building $182,900

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

Flood

FEMA maps place 632 Main St 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	4 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 632 Main St 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	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 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Main St

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