79 Gates Ln, Stow, MA 01775 Property Records

Middlesex County and Stow Town property record for 79 Gates Ln, Stow, MA 01775

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,328 sqft · built 1974
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on File
Last Sale	$590,000 (Jul 2018)
Tax Bill	$13,892 (2026)
Deeds & Mortgages	Apr 2020 Refinance Dec 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R-10 000023`

Property Details

APN / Parcel Number

Primary APN	`R-10 000023`
Alternative APNs	`STOW M:000R-10 P:023` `M:000R=10 P:023`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,328 sqft Living Area
Gross Area	3,924 sqft
1st Floor Area	1,140 sqft
Basement Area	1,140 sqft
Unfinished Basement	1,140 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,075 sqft (0.92 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	R-10 000023
Street Address	79 GATES LN
City	STOW
State	MA
Zip	01775-1203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Jurisdiction	STOW MA
Township / Civil Division	STOW
Census Block Group	2
Census Block	2005
Census Tract	323101

Owner

79 Gates Ln is owned and occupied by two individuals who bought it in July 2018.

Source: Middlesex County and Stow 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	2 Individual Names on File
Mailing Address	79 GATES LN, STOW, MA 01775-1203
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE NETWORK INC
Dec 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE NETWORK INC
Jun 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE NTWK
Jul 16, 2018	Quit Claim Deed, Transfer MORTGAGE NETWORKS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2018 · Amount on File
Deed Sale	Jul 16, 2018 · Amount on File
Deed Book / Page	71322 / 77
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	79 GATES LN, STOW, MA 01775-1203
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74435-280
Date	Apr 8, 2020
Book Page	74435/280
Instrument	52342

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	79 GATES LN, STOW, MA 01775-1203
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76567-25
Date	Dec 29, 2020
Book Page	76567/25
Instrument	251086

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	79 GATES LN, STOW, MA 01775-1203
Document Number	72811-404
Instrument Date	Jun 19, 2019
Transaction Type	Mortgage
Record Updated	Jul 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	79 GATES LN STOW MA 017751203, STOW, MA 01775-1203

Mortgage

Document Number	72811-404
Date	Jun 24, 2019
Book Page	072811/000404
Instrument	86954

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 23, 2049

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STOW MA
Recording Date	Jul 16, 2018
Property Address	79 GATES LN, STOW, MA 01775-1203
Document Number	71322-77
Book / Page	71322 / 77
Instrument	105594
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$88.98
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	79 GATES LN, STOW, MA 01775-1203

Mortgage

Document Number	713220081
Date	Jul 16, 2018
Instrument	71322/0081

Lender

Name	MORTGAGE NETWORKS INC
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 16, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 79 Gates Ln was $13,892, down 2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$13,892.00 (-2%)	$777,400 (-4.46%) Land $353,200 Building $424,200	$869,950 (+9.93%)
2025	$14,175.00 (+6.34%)	$813,700 (+3.59%) Land $336,400 Building $477,300	$791,350
2024	$13,330.00 (+8.62%)	$785,500 (+16.04%) Land $308,200 Building $477,300
2023	$12,272.00	$676,900 Land $280,200 Building $396,700

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

Flood

FEMA maps place 79 Gates Ln in Zone X, an area of minimal flood risk.

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	9 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

Wildfire risk around 79 Gates Ln is low, with a 0.02% annual chance of 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

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

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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