97 Howe St, Marlborough, MA 01752 Property Records

Middlesex County and Marlborough City property record for 97 Howe St, Marlborough, MA 01752

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,612 sqft · built 1889
Lot Size	0.113 acres (4,939 sqft)
Owner	Individual Name on Record
Last Sale	$358,000 (Aug 2019)
Tax Bill	$4,675 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Aug 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`900434`

Property Details

APN / Parcel Number

Primary APN	`900434`
Alternative APN	`MARL M:070 B:184 L:000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	1,612 sqft Living Area
Gross Area	2,884 sqft
Basement Area	772 sqft
Unfinished Basement	772 sqft

Exterior

Year Built	Built 1889
Effective Year Built	Effective 1889
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,939 sqft (0.113 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	900434
Street Address	97 HOWE ST
City	MARLBOROUGH
State	MA
Zip	01752-2861
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Block	184
Jurisdiction	MARLBOROUGH MA
Township / Civil Division	MARLBOROUGH
Census Block Group	2
Census Block	2022
Census Tract	321301

Owner

Source: Middlesex County and Marlborough City records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	97 HOWE ST, MARLBOROUGH, MA 01752-2861
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Aug 16, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SANTANDER BANK NA
Apr 26, 2019	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE
Jan 28, 2019	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2019 · Amount on Record
Deed Sale	Aug 16, 2019 · Amount on Record
Prior Sale	Apr 26, 2019 · Amount on Record
Deed Document Number	2019122605
Deed Book / Page	73128 / 127
Prior Transfer Date	Aug 15, 2019
Prior Transfer Doc	73128-127
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARLBOROUGH MA
Recording Date	Apr 21, 2026
Property Address	97 HOWE ST, MARLBOROUGH, MA 01752-2861
Document Number	085493-547
Book / Page	85493 / 547
Instrument Date	Apr 11, 2026
Instrument	202644178
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 HOWE ST, MARLBOROUGH, MA 01752-2861

Mortgage

Document Number	0000044178,
Date	Apr 21, 2026
Book Page	85493/547
Instrument	202644178

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Max Rate	-1%

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARLBOROUGH MA
Recording Date	Aug 16, 2019
Property Address	97 HOWE ST, MARLBOROUGH, MA 01752-2861
Document Number	73128-127
Book / Page	73128 / 127
Instrument Date	Aug 15, 2019
Instrument	122605
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	97 HOWE ST, MARLBOROUGH, MA 01752-2861

Mortgage

Document Number	122606
Date	Aug 16, 2019
Instrument	122606

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARLBOROUGH MA
Recording Date	Apr 26, 2019
Property Address	97 HOWE ST, MARLBOROUGH, MA 01752-2861
Document Number	72509-49
Book / Page	072509 / 000049
Instrument Date	Apr 24, 2019
Instrument	52456
Transaction Type	Transfer
Record Updated	May 14, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,012.32
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 WILSON ST FRAMINGHAM MA 017026529, FRAMINGHAM, MA 01702-6529

Mortgage

Document Number	72509-52
Date	Apr 26, 2019
Book Page	072509/000052
Instrument	52457

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 25, 2049

January 2019: Foreclosure

Document Type	Foreclosure
Jurisdiction	MARLBOROUGH MA
Recording Date	Jan 28, 2019
Property Address	97 HOWE ST, MARLBOROUGH, MA 01752-2861
Document Number	72170-522
Book / Page	072170 / 000522
Instrument Date	Jun 14, 2018
Instrument	11495
Transaction Type	Foreclosure
Record Updated	Feb 19, 2019

Transaction

Amount	Amount Recorded
Tax	$1,763.39
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8200 JONES BRANCH DR MCLEAN VA 221023107, MCLEAN, VA 22102-3107

Tax Assessment & Valuation

Source: Middlesex County and Marlborough City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Marlborough City
Unified School District	Marlborough School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,675.00 (+2.41%)	$474,100 (+6.35%) Land $156,300 Building $317,800	$477,660 (+4.03%)
2024	$4,565.00 (-8.81%)	$445,800 (+2.77%) Land $142,100 Building $303,700	$459,135
2023	$5,006.00	$433,800 Land $111,700 Building $322,100

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	2 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 95% of the US · lower than 90% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	MARLBOROUGH DPW WATER DIV. (MWRA) serves 41,799 people · EPA ID MA2170000
Water Source	Purchased surface water from MWRA
Last State Inspection	Aug 2024
Lead	1 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 374 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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