Middlesex County and Acton Town property record for 78 River St, Acton, MA 01720 · Last verified July 2026
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2.5 ba · 1,602 sqft · built 2005 |
| Lot Size | 0.743 acres (32,346 sqft) |
| Owner | Individual Name on File |
| Last Sale | $521,000 (Sep 2021) |
| Tax Bill | $9,445 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage Jun 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ACTO M:00H3A B:0037 L:0102 |
| Primary APN | ACTO M:00H3A B:0037 L:0102 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 3 Stories |
| Building Area | 1,602 sqft Living Area |
| Gross Area | 1,863 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 32,346 sqft (0.743 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 78 RIVER ST |
|---|---|
| City | ACTON |
| State | MA |
| Zip | 01720-4338 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Block | 37 |
| Legal Lot Number | 102 |
| Jurisdiction | ACTON MA |
| Township / Civil Division | ACTON |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 363104 |
Source: Middlesex County and Acton Town records · APN ACTO M:00H3A B:0037 L:0102
Assessment roll updated April 14, 2026 · Last verified July 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 | 78 RIVER ST, ACTON, MA 01720-4338 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 20, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage MLD MORTGAGE INC |
| Jun 26, 2017 | Deed of Trust, Mortgage · Closed-End Mortgage DIGITAL FCU |
| Oct 13, 2020 | Deed of Trust, Mortgage · ARM THIRD FEDERAL SAVING & LOAN ASSOC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 20, 2021 · Amount on Record |
| Deed Sale | Sep 20, 2021 · Amount on Record |
| Prior Sale | Feb 24, 2006 · Amount on Record |
| Deed Document Number | 2021208663 |
| Deed Book / Page | 78737 / 397 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ACTON MA |
| Recording Date | Sep 20, 2021 |
| Property Address | 78 RIVER ST, ACTON, MA 01720-4338 |
| Document Number | 78737-397 |
| Book / Page | 78737 / 397 |
| Instrument Date | Sep 20, 2021 |
| Instrument | 208663 |
| Transaction Type | Transfer |
| Record Updated | Oct 08, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 78 RIVER ST, ACTON, MA 01720-4338 |
| Document Number | 208664 |
|---|---|
| Date | Sep 20, 2021 |
| Instrument | 208664 |
| Name | MLD MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ACTON MA |
| Property Address | 78 RIVER ST, ACTON, MA 01720-4338 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 69494-246 |
|---|---|
| Date | Jun 26, 2017 |
| Book Page | 69494/246 |
| Instrument | 96979 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Jun 01, 2057 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ACTON MA |
| Property Address | 78 RIVER ST, ACTON, MA 01720-4338 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 75861-511 |
|---|---|
| Date | Oct 13, 2020 |
| Book Page | 75861/511 |
| Instrument | 184564 |
| Name | THIRD FEDERAL SAVING & LOAN ASSOC |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.99% |
| Type Change Date | Nov 01, 2025 |
| Index | Prime Rate |
Source: Middlesex County and Acton Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Acton Town |
| Unified School District | Acton-Boxborough Regional School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,445.00 (+12.17%) | $550,700 (+9.03%) Building $550,700 | $625,575 (+2.55%) |
| 2024 | $8,420.00 (+1.37%) | $505,100 (+6.79%) Building $505,100 | $609,995 |
| 2023 | $8,306.00 | $473,000 Building $473,000 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173631041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 10 individual NFIP policies nearby |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 9 (1980–2017) |
| Claims Outside the SFHA | 2 of 9 |
| Most Recent Claim | Aug 2017, rainfall accumulation |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 187 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 250 |
| Verizon | Fiber | 980 / 880 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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