796 Main St, Ashby, MA 01431 Property Records

Middlesex County and Ashby Town property record for 796 Main St, Ashby, MA 01431

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,448 sqft · built 1860
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on Record
Last Sale	$413,000 (Aug 2022)
Tax Bill	$6,659 (2026)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ASHB M:010.0 B:0032 L:0000.0`

Property Details

APN / Parcel Number

Primary APN	`ASHB M:010.0 B:0032 L:0000.0`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,448 sqft Living Area
Gross Area	2,970 sqft
1st Floor Area	1,380 sqft
Basement Area	1,044 sqft
Unfinished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	796 MAIN ST
City	ASHBY
State	MA
Zip	01431-2305
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Block	32
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	796 MAIN ST, ASHBY, MA 01431-2305
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2022	Deed, Transfer · Stand-Alone First Mortgage LIBERTY BAY CREDIT UNION
Jan 13, 2017	Quit Claim Deed, Transfer · Conventional Mortgage FIDELITY CO-OP BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2022 · Amount on Record
Deed Sale	Aug 1, 2022 · Amount on Record
Prior Sale	Jan 13, 2017 · Amount on Record
Transfer Doc	0001751736
Record Updated	Oct 29, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ASHBY MA
Recording Date	Aug 1, 2022
Property Address	796 MAIN ST, ASHBY, MA 01431-2305
Document Number	0001919781
Instrument Date	Jul 29, 2022
Instrument	1919781
Transaction Type	Transfer
Record Updated	Aug 19, 2022

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
Relationship	Tenants by the Entirety
Address	796 MAIN ST, ASHBY, MA 01431-2305

Mortgage

Document Number	0001919782
Date	Aug 1, 2022
Instrument	1919782

Lender

Name	LIBERTY BAY CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Aug 1, 2029
Max Rate At Change	3%
Index	1-Year CMT
Margin	3

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHBY MA
Recording Date	Jan 13, 2017
Property Address	796 MAIN ST, ASHBY, MA 01431-2305
Document Number	0001751736
Instrument Date	Jan 13, 2017
Instrument	1751736
Transaction Type	Transfer
Record Updated	Feb 1, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,230.74
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	796 MAIN ST ASHBY MA 01431, ASHBY, MA 01431

Mortgage

Document Number	1751737,
Date	Jan 13, 2017
Instrument	1751737

Lender

Name	FIDELITY CO-OP BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 12, 2047

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	$6,659.00 (+3.48%)	$422,500 (-) Land $59,600 Building $362,900	$440,045 (+1.2%)
2025	$6,435.00 (+9.1%)	$422,500 (+11.24%) Land $59,600 Building $362,900	$434,815 (+3.95%)
2024	$5,898.00 (+6.33%)	$379,800 (+12.43%) Land $56,400 Building $323,400	$418,285
2023	$5,547.00	$337,800 Land $53,100 Building $284,700

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 A, within 500 ft
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	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 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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