Stow, MA
Middlesex County42.4366°N, 71.5050°W
Tracking 3,102 properties across Stow, Massachusetts — a community where the median home dates to 1976 and the oldest to 1680. Every parcel mapped with building characteristics, environmental exposure, hazard risk, and ownership history assembled from 140+ sources.
3,102
Properties Tracked
1976
Median Year Built
$650K
Median Assessed Value
4%
FEMA Flood Zone
880,079
NEP Data Facts Tracked
Zone 1
Radon Zone
Click any parcel to view intelligence
Stow, MAInc. 1660
Stow is a small, residential town west of Concord with a rural character defined by conservation land, orchards, and large-lot residential development. The town has actively preserved its agricultural heritage through land trusts and zoning, and the landscape retains a pastoral quality that distinguishes it from the more developed communities along the Route 2 corridor. The housing stock is predominantly single-family homes, with construction spanning from colonial-era farmhouses to modern homes on large lots.
For property professionals, Stow is an affluent rural market where land values and natural setting are significant components of assessed value. The Assabet River and associated wetlands create environmental features and flood zone considerations in portions of the town, and the rural infrastructure means private wells and septic systems are standard.
Risk Profile
FEMA flood zones, fire protection grades, radon — parcel by parcel
FEMA Flood Zones
132 properties (4%) are in FEMA Special Flood Hazard Areas, where flood insurance is required for federally-backed mortgages.
X
2,970
AE
74
A
58
Fire Protection Grades
Fire protection grades reflect proximity to fire stations and hydrant infrastructure. Grade affects insurance pricing in every New England state.
Grade C
491
Grade D
2,166
Grade E
445
Zone 1
Radon Risk
123 mph
Design Wind Speed
ASCE 7 standard
50 psf
Ground Snow Load
ASCE 7 standard
Very Low
FEMA Risk Index
NRI composite rating
The Property Landscape
3,102 properties · Median year built 1976 · Avg 2,193 sf
Property Types
Single Family
2,141
Two-Family
380
Institutional
210
Vacant Land
162
Multi-Family
90
Commercial
53
Agricultural / Open Space
31
Industrial
16
Mixed Use
9
Other
4
Construction by Era
Pre-1800
29
1800-1849
40
1850-1899
83
1900-1949
291
1950-1979
1,044
1980-1999
464
2000+
730
Architectural Styles
Colonial
466
Condominium
379
Cape Cod
253
Vacant Land
247
Ranch
244
Raised Ranch
230
Conventional
105
Antique
103
Market Activity
Recorded transactions from Middlesex County Registry of Deeds
77%
Owner-Occupied
2%
Out-of-State Owners
NE Provenance tracks recorded deeds, mortgages, and liens for 100% of Stow properties. Ownership intelligence includes transaction history, entity detection, portfolio identification, and lien analysis — assembled from public registry records into a single property-level profile.
Building Permits & Maintenance
2,100 municipal building permits on file · 28% of properties
NE Provenance tracks 2,100 building permits across 866 Stow properties — 28% coverage. 824 properties have permit activity in the last five years.
Each permit record reveals maintenance decisions: roof replacements, electrical upgrades, kitchen renovations, solar installations. For insurance, lending, and appraisal professionals, permit history is the most objective evidence of property condition available from public records.
2,100
Permits on File
28%
Coverage
Properties with permits
824
Active (5yr)
Recent permit activity
86%
Condition Rated
NEP assessment
Living in Stow
Middlesex County · Massachusetts
Zip Codes01775
7,174
Population
2020 Census
3,102
Properties
$650K
Median Assessed
77%
Owner-Occupied
18.0
Square Miles
Stow covers 18.0 square miles in Middlesex County, Massachusetts. The median assessed property value is $650K.
Single-family homes account for 2,141 of Stow's 3,102 properties and 470 multi-family buildings. There are 53 commercial properties and 162 parcels of vacant land. About 77% of properties are owner-occupied.
Assessed values range widely — the middle 50% of properties fall between $511K and $834K, with the highest assessed property at $23.9M. For professionals working in this market, the value spread tells you a lot about what you'll encounter door to door.
Most properties rely on private septic systems, and 14% have public water service. Electric service is provided by MASSACHUSETTS BAY TRANS AUTHORITY. 342 properties have identified commercial activity — restaurants, retail, professional offices, and services that give Stow its character.
What Stow Property Intelligence Means for Professionals
Insurance & Underwriting
Stow's fire protection grade distribution (491 Grade C, 2,166 Grade D) directly affects premium calculation. Parcel-level hazard data provides the granularity that ZIP-level aggregation misses.
Insurance solutionsReal Estate & Appraisal
Stow's 10 property types, spanning construction from 1680 to present, require local market knowledge for accurate comparable selection and valuation. NEP assembles building characteristics, environmental exposure, and condition signals into a single property profile.
Real estate solutionsLending & Title
Collateral assessment requires flood zone verification, environmental screening, and ownership chain validation. 4% of Stow properties are in SFHAs where flood insurance is a federal lending requirement. NEP provides property-level compliance data from public records.
Lending solutionsInspection & Property Services
2,100 permits across 28% of properties means most Stow inspection assignments can start with documented renovation and system history, not a blank slate.
Inspection solutionsExplore Stow property intelligence.
3,102 Stow properties — each with risk profiles, building data, permit history, and ownership analysis from 140+ sources. Open any property and see the full picture.
Newburyport, MA · Federalist · 3,524 sq ft · 4 bed / 3 bath · Built 1800 · Historic District
NEP Property Intelligence Summary
ConditionC1Fire ClassBFlood ZoneXOwnerIndividualOccupancyOwner-Occupied
Purchased2018 (8yr)Permits11 totalSystems3 updatedLiensClearAssessed$1.6MOcean0.3 mi
EraPre-1940HistoricDesignatedRenovationRecentRadonZone 1
Cite this data
Source: NE Provenance, “Professional Property Intelligence for New England,” neprovenance.com/insights/town/stow-ma. For references or attribution, please link back to this page or neprovenance.com. Thank you, we appreciate it.