9 Joyce St, West Townsend, MA 01474 Property Records

Middlesex County and Townsend Town property record for 9 Joyce St, West Townsend, MA 01474

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,267 sqft · built 1975
Lot Size	0.508 acres (22,115 sqft)
Owner	Individual Name on File
Last Sale	$2,417 (Jan 2021)
Tax Bill	$5,445 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`TOWN M:0011 B:0042 L:0014`

Property Details

APN / Parcel Number

Primary APN	`TOWN M:0011 B:0042 L:0014`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,267 sqft Living Area
Gross Area	2,356 sqft
Basement Area	744 sqft
Unfinished Basement	521 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Split Foyer
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,115 sqft (0.508 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	9 JOYCE ST
City	WEST TOWNSEND
State	MA
Zip	01474-1007
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA3
Legal Block	42
Legal Lot Number	14
Jurisdiction	TOWNSEND MA
Township / Civil Division	TOWNSEND
Census Block Group	2
Census Block	2011
Census Tract	301101

Owner

9 Joyce St is owned and occupied by an individual who bought it in January 2021.

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

Owner of Record	Individual Name on File
Mailing Address	9 JOYCE ST, WEST TOWNSEND, MA 01474-1007
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2026	Deed of Trust, Mortgage · Line of Credit DIGITAL FEDERAL CREDIT UNION
Jan 6, 2021	Quit Claim Deed, Transfer · Conventional Mortgage MORTGAGE EQUITY PARTNERS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2021 · Amount on File
Deed Sale	Jan 6, 2021 · Amount on File
Prior Sale	Nov 28, 2016 · Amount on File
Deed Document Number	20212831
Deed Book / Page	76629 / 421
Prior Transfer Date	Dec 31, 2020
Prior Transfer Doc	076629-421
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOWNSEND MA
Recording Date	Aug 13, 2026
Property Address	9 JOYCE ST, WEST TOWNSEND, MA 01474-1007
Document Number	0000102081
Book / Page	86009 / 118
Instrument Date	Aug 7, 2026
Instrument	2026102081
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 JOYCE ST, WEST TOWNSEND, MA 01474-1007

Mortgage

Document Number	0000102081,
Date	Aug 13, 2026
Book Page	86009/118
Instrument	2026102081

Lender

Name	DIGITAL FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Sep 1, 2066

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TOWNSEND MA
Recording Date	Jan 6, 2021
Property Address	9 JOYCE ST, TOWNSEND, MA 01474-1007
Document Number	076629-421
Book / Page	76629 / 421
Instrument Date	Dec 31, 2020
Instrument	2831
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount 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	9 JOYCE ST, TOWNSEND, MA 01474-1007

Mortgage

Document Number	0000002832
Date	Jan 6, 2021
Instrument	2832

Lender

Name	MORTGAGE EQUITY PARTNERS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 9 Joyce St was $5,445, up 4.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,445.00 (+4.17%)	$396,000 (+1%) Land $103,500 Building $289,800	$436,905 (-)
2025	$5,227.00 (+2.75%)	$360,000 (+1.98%) Land $91,100 Building $268,900	$436,905 (-23.96%)
2024	$5,087.00 (+9.05%)	$353,000 (+15.47%) Land $91,100 Building $261,900	$574,560
2023	$4,665.00	$305,700 Land $78,700 Building $227,000

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

Flood

FEMA maps place 9 Joyce St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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	3 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Oct 2017 · river or lake flooding

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 9 Joyce St 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 67% of the US · above 98.2% 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.

Drinking Water

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

Water System	TOWNSEND WATER DEPARTMENT serves 6,832 people · EPA ID MA2299000
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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