74 Main St, Acton, MA 01720 Property Records

Middlesex County and Acton Town property record for 74 Main St, Acton, MA 01720

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,818 sqft · built 1890
Lot Size	0.46 acres (20,053 sqft)
Owner	2 Individual Names on File
Last Sale	$750,000 (Aug 2025)
Tax Bill	$12,327 (2025)
Deeds & Mortgages	Feb 2022 Construction Loan Aug 2025 Sale & Mortgage + 9 more
Flood Zone	Zone X (minimal risk)
APN	`ACTO M:00H3B B:0043 L:0000`

Property Details

APN / Parcel Number

Primary APN	`ACTO M:00H3B B:0043 L:0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,818 sqft Living Area
Gross Area	3,531 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Historical
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,053 sqft (0.46 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	74 MAIN ST
City	ACTON
State	MA
Zip	01720-3540
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Subdivision	PAUL C NEILSON ESTATE
Legal Block	43
Jurisdiction	ACTON MA
Township / Civil Division	ACTON
Census Block Group	3
Census Block	3013
Census Tract	363201

Owner

Source: Middlesex County and Acton 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	2 Individual Names on File
Mailing Address	74 MAIN ST, ACTON, MA 01720-3540
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2022	Deed of Trust, Mortgage · Construction Mortgage LOWELL FIVE CENTS SAVINGS BANK
Aug 26, 2025	Quit Claim Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Aug 6, 2024	Quit Claim Deed, Transfer Quitclaim
Oct 13, 2023	Quit Claim Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
Feb 4, 2022	Deed of Trust, Mortgage · Commercial Mortgage LOWELL FIVE CENTS SAVINGS BANK
Jan 31, 2022	Quit Claim Deed, Construction Loan · Construction Mortgage LOWELL FIVE CENTS SAVINGS BANK
Dec 4, 2019	Deed of Trust, Mortgage · ARM BAYCOAST MORTGAGE COMPANY
Sep 10, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BAYCOAST MORTGAGE COMPANY
Jul 1, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BAYCOAST MORTGAGE COMPANY
Aug 24, 2017	Quit Claim Deed, Transfer · FHA Mortgage GUARANTEED RATE
Aug 24, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 26, 2025 · Amount on Record
Deed Sale	Aug 26, 2025 · Amount on Record
Prior Sale	Oct 13, 2023 · Amount on Record
Deed Document Number	2025102705
Deed Book / Page	84538 / 570
Prior Transfer Date	Aug 2, 2024
Prior Transfer Doc	083097-321
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	74 MAIN ST, ACTON, MA 01720-3540
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079646-462
Date	Feb 4, 2022
Book Page	79646/462
Instrument	19957

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ACTON MA
Recording Date	Aug 26, 2025
Property Address	74 MAIN ST, ACTON, MA 01720-3540
Document Number	084538-570
Book / Page	84538 / 570
Instrument Date	Aug 26, 2025
Instrument	102705
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	74 MAIN ST, ACTON, MA 01720-3540
Investor	Possibly a Property Investor

Mortgage

Document Number	0000102706
Date	Aug 26, 2025
Instrument	102706

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

August 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ACTON MA
Recording Date	Aug 6, 2024
Property Address	74 MAIN ST, ACTON, MA 01720-3540
Document Number	083097-321
Book / Page	83097 / 321
Instrument Date	Aug 2, 2024
Instrument	87666
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 MAIN ST, ACTON, MA 01720-3540

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ACTON MA
Recording Date	Oct 13, 2023
Property Address	74 MAIN ST, ACTON, MA 01720-3540
Document Number	082094-507
Book / Page	82094 / 507
Instrument Date	Oct 13, 2023
Instrument	116246
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	74 MAIN ST, ACTON, MA 01720-3540

Mortgage

Document Number	0000116249
Date	Oct 13, 2023
Instrument	116249

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	74 MAIN ST, ACTON, MA 01720-3540
Transaction Type	Mortgage
Record Updated	Feb 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079646-453
Date	Feb 4, 2022
Book Page	79646/453
Instrument	19956

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2022: Quit Claim Deed, Construction Loan

Document Type	Quit Claim Deed
Jurisdiction	ACTON MA
Recording Date	Jan 31, 2022
Property Address	74 MAIN ST, ACTON, MA 01720-3540
Document Number	079616-100
Book / Page	79616 / 100
Instrument Date	Jan 31, 2022
Instrument	16569
Transaction Type	Construction Loan
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
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	1 NAGOG PARK, ACTON, MA 01720-3413

Mortgage

Document Number	0000016570
Date	Jan 31, 2022
Instrument	16570

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Mortgage

Document Number	079646-453
Date	Feb 4, 2022
Book Page	79646/453
Instrument	19956

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	74 MAIN ST, ACTON, MA 01720-3540
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73762-71
Date	Dec 4, 2019
Book Page	73762/71
Instrument	190582

Lender

Name	BAYCOAST MORTGAGE COMPANY

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Type Change Date	Dec 1, 2029

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	74 MAIN ST, ACTON, MA 01720-3540
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75587-446
Date	Sep 10, 2020
Book Page	75587/446
Instrument	159099

Lender

Name	BAYCOAST MORTGAGE COMPANY

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ACTON MA
Recording Date	Jul 1, 2019
Property Address	74 MAIN ST, ACTON, MA 01720-3540
Document Number	72864-370
Book / Page	72864 / 370
Instrument Date	Jun 12, 2019
Instrument	92899
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	74 MAIN ST, ACTON, MA 01720-3540

Mortgage

Document Number	92900
Date	Jul 1, 2019
Instrument	92900

Lender

Name	BAYCOAST MORTGAGE COMPANY

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ACTON MA
Recording Date	Aug 24, 2017
Property Address	74 MAIN ST, ACTON, MA 01720-3540
Document Number	69824-25
Book / Page	069824 / 000025
Instrument Date	Aug 23, 2017
Instrument	136191
Transaction Type	Transfer
Record Updated	Sep 12, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,033.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	74 MAIN ST ACTON MA 017203540, ACTON, MA 01720-3540

Mortgage

Document Number	69824-28
Date	Aug 24, 2017
Book Page	069824/000028
Instrument	136192

Lender

Name	GUARANTEED RATE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2047

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ACTON MA
Recording Date	Aug 24, 2017
Property Address	74 MAIN ST, ACTON, MA 01720-3540
Document Number	69824-22
Book / Page	069824 / 000022
Instrument Date	Mar 17, 2016
Instrument	136190
Transaction Type	Transfer
Record Updated	Sep 12, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 MAIN ST ACTON MA 017203540, ACTON, MA 01720-3540

Tax Assessment & Valuation

Source: Middlesex County and Acton Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Acton Town
Unified School District	Acton-Boxborough Regional School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,327.00 (+21.04%)	$718,800 (+17.66%) Land $272,700 Building $446,100	$832,485 (+8.11%)
2024	$10,184.00 (+4.31%)	$610,900 (+9.87%) Land $272,700 Building $338,200	$770,070
2023	$9,763.00	$556,000 Land $263,100 Building $292,900

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	7 (1978–2010)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 claims

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 94% of the US · lower than 88% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 130 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile USA Fixed Wireless	100 / 20