860 Main St, Ashby, MA 01431 Property Records

Middlesex County and Ashby Town property record for 860 Main St, Ashby, MA 01431

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,776 sqft · built 1875
Lot Size	0.54 acres (23,522 sqft)
Owner	2 Trust Names on Record
Tax Bill	$5,160 (2025)
Deeds & Mortgages	Jun 2023 Refinance Nov 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`ASHB M:010.0 B:0003 L:0000.0`

Property Details

APN / Parcel Number

Primary APN	`ASHB M:010.0 B:0003 L:0000.0`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,776 sqft Living Area
1st Floor Area	1,136 sqft
Basement Area	700 sqft
Unfinished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1958
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,522 sqft (0.54 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	860 MAIN ST
City	ASHBY
State	MA
Zip	01431-2310
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Block	3
Jurisdiction	ASHBY MA
Township / Civil Division	ASHBY
Census Block Group	1
Census Block	1024
Census Tract	300100

Owner

Source: Middlesex County and Ashby Town records, as of July 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 Trust Names on Record
Mailing Address	PO BOX 28, ASHBY, MA 01431-0028
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
Nov 23, 2020	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBY MA
Property Address	860 MAIN ST, ASHBY, MA 01431
Transaction Type	Mortgage
Record Updated	Jul 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081719-242
Date	Jun 29, 2023
Book Page	81719/242
Instrument	71368

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2043

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHBY MA
Recording Date	Nov 23, 2020
Property Address	860 MAIN ST, ASHBY, MA 01431
Document Number	76232-419
Book / Page	076232 / 000419
Instrument Date	Nov 19, 2020
Instrument	219959
Transaction Type	Transfer
Record Updated	Dec 15, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 MAIN ST ASHBY MA 01431, ASHBY, MA 01431

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
2025	$5,160.00 (+6.33%)	$338,800 (+8.42%) Land $62,700 Building $276,100	$309,035 (-22.42%)
2024	$4,853.00 (-3.38%)	$312,500 (+2.16%) Land $60,300 Building $252,200	$398,335
2023	$5,023.00	$305,900 Land $55,500 Building $250,400

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
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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Nearby Properties on Main St

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