8 Penacook Ln, Natick, MA 01760 Property Records

Middlesex County and Natick Town property record for 8 Penacook Ln, Natick, MA 01760

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,968 sqft · built 1992
Lot Size	0.623 acres (27,151 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,677,500 (Feb 2026)
Tax Bill	$14,824 (2025)
Deeds & Mortgages	Jul 2021 Refinance Aug 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`37-0000078A`

Property Details

APN / Parcel Number

Primary APN	`37-0000078A`
Alternative APN	`NATI M:00000037 P:0000078A`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,968 sqft Living Area
1st Floor Area	1,000 sqft
Basement Area	384 sqft
Unfinished Basement	384 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2012
Architectural Style	Colonial
Exterior Material	Wood Siding
Lot Area	27,151 sqft (0.623 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	37-0000078A
Street Address	8 PENACOOK LN
City	NATICK
State	MA
Zip	01760-3663
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSC
Jurisdiction	NATICK MA
Township / Civil Division	NATICK
Census Block Group	4
Census Block	4002
Census Tract	382300

Owner

Source: Middlesex County and Natick Town records, as of April 15, 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	8 PENACOOK LN, NATICK, MA 01760-3663
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MERRIMACK VALLEY FCU
Aug 23, 2021	Deed of Trust, Mortgage · Line of Credit MERRIMACK VALLEY FCU
Jul 10, 2025	Deed of Trust, Mortgage · Line of Credit MIDDLESEX SAVINGS BANK
Aug 22, 2025	Deed of Trust, Mortgage FIRST BANK OF THE LK
Feb 12, 2026	Quit Claim Deed, Transfer · Conventional Mortgage HINGHAM INSTITUTION FOR SAVINGS
Apr 30, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2026 · Amount on Record
Deed Sale	Feb 12, 2026 · Amount on Record
Prior Sale	Apr 30, 2020 · Amount on Record
Deed Document Number	202615870
Deed Book / Page	85223 / 424
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	8 PENACOOK LN, NATICK, MA 01760-3663
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	078203-256
Date	Jul 8, 2021
Book Page	78203/256
Instrument	154542

Lender

Name	MERRIMACK VALLEY FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	8 PENACOOK LN, NATICK, MA 01760-3663
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	078528-250
Date	Aug 23, 2021
Book Page	78528/250
Instrument	188265

Lender

Name	MERRIMACK VALLEY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2046

Interest

Rate Type	Adjustable Rate

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	8 PENACOOK LN, NATICK, MA 01760-3663
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084338-289
Date	Jul 10, 2025
Book Page	84338/289
Instrument	79815

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

Interest

Rate Type	Adjustable Rate

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	8 PENACOOK LN, NATICK, MA 01760-3663
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0084523-74
Date	Aug 22, 2025
Book Page	84523/74
Instrument	100889

Lender

Name	FIRST BANK OF THE LK

Agreement

Amount	Amount Recorded

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Feb 12, 2026
Property Address	8 PENACOOK LN, NATICK, MA 01760-3663
Document Number	085223-424
Book / Page	85223 / 424
Instrument Date	Feb 12, 2026
Instrument	15870
Transaction Type	Transfer
Record Updated	Jul 1, 2026

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	8 PENACOOK LN, NATICK, MA 01760-3663

Mortgage

Document Number	0000015871
Date	Feb 12, 2026
Instrument	15871

Lender

Name	HINGHAM INSTITUTION FOR SAVINGS
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Apr 30, 2020
Property Address	8 PENACOOK LN, NATICK, MA 01760-3663
Document Number	74582-135
Book / Page	74582 / 135
Instrument Date	Mar 26, 2020
Instrument	64699
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Address	8 PENACOOK LN, NATICK, MA 01760-3663

Mortgage

Document Number	64700
Date	Apr 30, 2020
Instrument	64700

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$14,824.00 (+3.35%)	$1,239,500 (+5.94%) Land $515,800 Building $723,700	$1,219,135
2024	$14,344.00 (+12.96%)	$1,170,000 (+16.46%) Land $488,600 Building $681,400
2023	$12,698.00	$1,004,600 Land $452,400 Building $552,200

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	24 (1979–2024)
Claims Outside the SFHA	4 of 24
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Apr 2010 · 11 claims Severe Storms & Flooding, Apr 1987 · 4 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 95% of the US · lower than 90% of Massachusetts
Wildfire Likelihood	Under 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.

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 301 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 · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

Nearby Properties on Penacook Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures