98 Summer St, Acton, MA 01720 Property Records

Middlesex County and Acton Town property record for 98 Summer St, Acton, MA 01720

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,820 sqft · built 1962
Lot Size	0.496 acres (21,592 sqft)
Owner	2 Individual Names on Record
Last Sale	$495,000 (Jun 2017)
Tax Bill	$10,909 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Nov 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ACTO M:00F1 B:0139 L:0000`

Property Details

APN / Parcel Number

Primary APN	`ACTO M:00F1 B:0139 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,820 sqft Living Area
Gross Area	2,736 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,592 sqft (0.496 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	98 SUMMER ST
City	ACTON
State	MA
Zip	01720-2223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	139
Jurisdiction	ACTON MA
Township / Civil Division	ACTON
Census Block Group	2
Census Block	2001
Census Tract	363201

Owner

Source: Middlesex County and Acton Town 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	2 Individual Names on Record
Mailing Address	98 SUMMER ST, ACTON, MA 01720-2223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2023	Deed of Trust, Mortgage · Line of Credit DIGITAL FCU
Nov 24, 2020	Quit Claim Deed, Transfer · Stand-Alone Refinance NFM LENDING
Jun 1, 2017	Quit Claim Deed, Transfer FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2017 · Amount on Record
Deed Sale	Jun 1, 2017 · Amount on Record
Prior Sale	Aug 31, 2009 · Amount on Record
Deed Book / Page	69368 / 47
Last Transfer Date	Nov 19, 2020
Transfer Doc	76255-360
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	98 SUMMER ST, ACTON, MA 01720-2223
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081650-465
Date	Jun 14, 2023
Book Page	81650/465
Instrument	63385

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Jul 1, 2063

Interest

Rate Type	Adjustable Rate

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ACTON MA
Recording Date	Nov 24, 2020
Property Address	98 SUMMER ST, ACTON, MA 01720-2223
Document Number	76255-360
Book / Page	76255 / 360
Instrument Date	Nov 19, 2020
Instrument	222243
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4 SUMMER ST, ACTON, MA 01720-2708

Mortgage

Document Number	76255-363
Date	Nov 24, 2020
Book Page	76255/363
Instrument	222244

Lender

Name	NFM LENDING
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ACTON MA
Recording Date	Jun 1, 2017
Property Address	98 SUMMER ST, ACTON, MA 01720-2223
Document Number	69368-47
Book / Page	69368 / 47
Instrument	81702
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$77.71
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 SUMMER ST, ACTON, MA 01720-2223

Mortgage

Document Number	693680049
Date	Jun 1, 2017
Instrument	69368/0049

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Acton Town
Unified School District	Acton-Boxborough Regional School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,909.00 (+6.77%)	$636,100 (+3.79%) Land $274,000 Building $362,100	$748,695 (+4.87%)
2024	$10,217.00 (+2.7%)	$612,900 (+8.19%) Land $274,000 Building $338,900	$713,925
2023	$9,948.00	$566,500 Land $249,000 Building $317,500

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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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	ACTON WATER SUPPLY DISTRICT serves 21,285 people · EPA ID MA2002000
Water Source	Groundwater influenced by surface water
Last State Inspection	Oct 2024
Lead	4 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	22 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 195 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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