78 Summer St, Natick, MA 01760 Property Records

Middlesex County and Natick Town property record for 78 Summer St, Natick, MA 01760

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 1,935 sqft · built 1900
Lot Size	0.132 acres (5,737 sqft)
Owner	Individual Name on File
Last Sale	$455,000 (Mar 2005)
Tax Bill	$7,538 (2025)
Deeds & Mortgages	Oct 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`43-00000360`

Property Details

APN / Parcel Number

Primary APN	`43-00000360`
Alternative APN	`NATI M:00000043 P:00000360`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,935 sqft Living Area
1st Floor Area	500 sqft
Basement Area	560 sqft
Unfinished Basement	520 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1947
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Lot Area	5,737 sqft (0.132 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	43-00000360
Street Address	78 SUMMER ST
City	NATICK
State	MA
Zip	01760-4522
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RG
Jurisdiction	NATICK MA
Township / Civil Division	NATICK
Census Block Group	1
Census Block	1018
Census Tract	382500

Owner

78 Summer St, a duplex, is owned and occupied by an individual who bought it in March 2005.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	78 SUMMER ST, NATICK, MA 01760-4522
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2005 · Amount on File
Deed Sale	Mar 24, 2005 · Amount on File
Prior Sale	Jul 10, 1997 · Amount on File
Deed Document Number	200558980
Deed Book / Page	44866 / 248
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	78 SUMMER ST, NATICK, MA 01760-4522
Document Number	71863-33
Instrument Date	Oct 15, 2018
Transaction Type	Mortgage
Record Updated	Nov 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 SUMMER ST NATICK MA 017604522, NATICK, MA 01760-4522

Mortgage

Document Number	71863-33
Date	Nov 9, 2018
Book Page	071863/000033
Instrument	2510

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 78 Summer St was $7,538, up 3.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,538.00 (+3.83%)	$630,300 (+6.43%) Land $402,000 Building $228,300	$811,108
2024	$7,260.00 (-1.65%)	$592,200 (+1.4%) Land $379,700 Building $212,500
2023	$7,382.00	$584,000 Land $357,400 Building $226,600

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

Flood

FEMA maps place 78 Summer St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

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 Claims	1 (1978)
Most Recent Claim	Feb 1978 · tidal / storm surge

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 78 Summer St is low, with less than 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 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NATICK WATER AND SEWER DIVISION serves 37,006 people · EPA ID MA3198000
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 714 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20