640 County Rd, Ashby, MA 01431 Property Records

Middlesex County and Ashby Town property record for 640 County Rd, Ashby, MA 01431

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,294 sqft · built 1972
Lot Size	2.5 acres (108,900 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Dec 2018)
Tax Bill	$5,169 (2025)
Deeds & Mortgages	Mar 2021 Refinance Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ASHB M:011.0 B:0111 L:0003.0`

Property Details

APN / Parcel Number

Primary APN	`ASHB M:011.0 B:0111 L:0003.0`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,294 sqft Living Area
Gross Area	2,588 sqft
1st Floor Area	1,294 sqft
Basement Area	1,294 sqft
Unfinished Basement	647 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	108,900 sqft (2.5 acres)

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Street Address	640 COUNTY RD
City	ASHBY
State	MA
Zip	01431-1974
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	111
Legal Lot Number	3.0
Jurisdiction	ASHBY MA
Township / Civil Division	ASHBY
Census Block Group	2
Census Block	2027
Census Tract	300100

Owner

Source: Middlesex County and Ashby Town assessment roll, as of April 14, 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 File
Mailing Address	640 COUNTY RD, ASHBY, MA 01431-1974
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NAVY FCU
Dec 10, 2018	Quit Claim Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 10, 2018 · Amount on Record
Deed Sale	Dec 10, 2018 · Amount on Record
Prior Sale	Jul 24, 2015 · Amount on Record
Deed Book / Page	71988 / 337
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBY MA
Property Address	640 COUNTY RD, ASHBY, MA 01431-1974
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077248-384
Date	Mar 17, 2021
Book Page	77248/384
Instrument	59336

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHBY MA
Recording Date	Dec 10, 2018
Property Address	640 COUNTY RD, ASHBY, MA 01431-1974
Document Number	71988-337
Book / Page	071988 / 000337
Instrument Date	Dec 10, 2018
Instrument	7639
Transaction Type	Transfer
Record Updated	Jan 2, 2019

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,185.60
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 COUNTY RD ASHBY MA 014311974, ASHBY, MA 01431-1974

Mortgage

Document Number	71988-340
Date	Dec 10, 2018
Book Page	071988/000340
Instrument	7640

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 9, 2048

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
2025	$5,169.00 (+2.82%)	$339,400 (+4.85%) Land $69,200 Building $270,200	$344,375 (+4.26%)
2024	$5,027.00 (+1.54%)	$323,700 (+7.36%) Land $66,800 Building $256,900	$330,315
2023	$4,951.00	$301,500 Land $62,000 Building $239,500

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 at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 15 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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