676 Main St, Ashby, MA 01431 Property Records

Middlesex County and Ashby Town property record for 676 Main St, Ashby, MA 01431

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,113 sqft · built 1850
Lot Size	1.2 acres (52,272 sqft)
Owner	2 Individual Names on Record
Last Sale	$322,500 (Jan 2020)
Tax Bill	$5,552 (2026)
Deeds & Mortgages	Aug 2023 Mortgage Mar 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ASHB M:010.0 B:0052 L:0000.0`

Property Details

APN / Parcel Number

Primary APN	`ASHB M:010.0 B:0052 L:0000.0`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,113 sqft Living Area
Gross Area	3,957 sqft
1st Floor Area	1,737 sqft
Basement Area	2,039 sqft
Unfinished Basement	2,039 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1921
Architectural Style	Victorian
Exterior Material	Wood Siding
Construction Type	Stone
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	52,272 sqft (1.2 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	676 MAIN ST
City	ASHBY
State	MA
Zip	01431-2317
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Block	52
Jurisdiction	ASHBY MA
Township / Civil Division	ASHBY
Census Block Group	1
Census Block	1033
Census Tract	300100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	676 MAIN ST, ASHBY, MA 01431-2317
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) WORKERS CU
Mar 31, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PROVIDENT FUNDING ASSOCIATES LP
Jan 6, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2020 · Amount on Record
Deed Sale	Jan 6, 2020 · Amount on Record
Prior Sale	Aug 24, 1998 · Amount on Record
Deed Document Number	202054
Deed Book / Page	73949 / 581
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBY MA
Property Address	676 MAIN ST, ASHBY, MA 01431-2317
Transaction Type	Mortgage
Record Updated	Sep 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081885-168
Date	Aug 14, 2023
Book Page	81885/168
Instrument	90910

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2043

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBY MA
Property Address	676 MAIN ST, ASHBY, MA 01431-2317
Transaction Type	Mortgage
Record Updated	Apr 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	77397-35
Date	Mar 31, 2021
Book Page	77397/35
Instrument	72900

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Apr 1, 2050

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHBY MA
Recording Date	Jan 6, 2020
Property Address	676 MAIN ST, ASHBY, MA 01431-2317
Document Number	73949-581
Book / Page	73949 / 581
Instrument Date	Jan 6, 2020
Instrument	2054
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	519 SACRAMENTO ST, NEVADA CITY, CA 95959-3009

Mortgage

Document Number	2057
Date	Jan 6, 2020
Instrument	2057

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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
2026	$5,552.00 (-3.81%)	$352,300 (-7.04%) Land $65,000 Building $287,300	$369,987 (-6.09%)
2025	$5,772.00 (+0.61%)	$379,000 (+2.6%) Land $65,000 Building $314,000	$393,965 (-6.73%)
2024	$5,737.00 (+15.27%)	$369,400 (+21.87%) Land $62,600 Building $306,800	$422,370
2023	$4,977.00	$303,100 Land $57,800 Building $245,300

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 · 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

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
Adjoins Burnable Land	Yes

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 65 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE only, no 5G reported

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