1 Congress St, Worcester, MA 01609 Property Records

Worcester County and Worcester City property record for 1 Congress St, Worcester, MA 01609

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 2,576 sqft · built 1830
Lot Size	0.154 acres (6,725 sqft)
Owner	Company Name on File
Last Sale	$175,000 (May 2017)
Tax Bill	$7,069 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Jun 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-026-00036`

Property Details

APN / Parcel Number

Primary APN	`3-026-00036`
Alternative APN	`WORC M:03 B:026 L:00036`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,576 sqft Living Area
Gross Area	5,476 sqft
1st Floor Area	1,288 sqft
Attic	Attic
Attic Area	1,120 sqft
Basement Area	1,288 sqft
Unfinished Basement	1,288 sqft

Exterior

Year Built	Built 1830
Effective Year Built	Effective 1830
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,725 sqft (0.154 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Steam

Location & Zoning

Account Number	3-026-00036
Street Address	1 CONGRESS ST
City	WORCESTER
State	MA
Zip	01609-2002
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RG-5
Legal Block	26
Legal Lot Number	36
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3009
Census Tract	731500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Oxford-Crown Extension District listed 1980 · 29 contributing resources · NRIS 80000605

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

1 Congress St, a duplex, is owned by a company that acquired it in September 2024.

Source: Worcester County and Worcester City records, as of October 20, 2026

Owner of Record	Company Name on File
Mailing Address	100 INSTITUTE RD, WORCESTER, MA 01609-2247
Owner Type	Company
Vesting	Company

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
Jul 2, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jun 30, 2023	Quit Claim Deed, Transfer Quitclaim
May 11, 2017	Quit Claim Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2017 · Amount on File
Deed Sale	May 11, 2017 · Amount on File
Prior Sale	Jul 18, 2016 · Amount on File
Deed Document Number	201747462
Deed Book / Page	57099 / 175
Last Transfer Date	Sep 21, 2024
Transfer Doc	071057-228
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	1 CONGRESS ST, WORCESTER, MA 01609-2002
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065541-208
Date	Jul 2, 2021
Book Page	65541/208
Instrument	93105

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Jun 30, 2023
Property Address	1 CONGRESS ST, WORCESTER, MA 01609-2002
Document Number	069328-121
Book / Page	69328 / 121
Instrument Date	Jun 27, 2023
Instrument	52164
Transaction Type	Transfer
Record Updated	Jul 19, 2023

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
Address	100 INSTITUTE RD, WORCESTER, MA 01609-2247

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	May 11, 2017
Property Address	1 CONGRESS ST, WORCESTER, MA 01609-2002
Document Number	57099-175
Book / Page	57099 / 175
Instrument	47462
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$42.07
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 CONGRESS ST, WORCESTER, MA 01609-2002

Mortgage

Document Number	570990177
Date	May 11, 2017
Instrument	57099/0177

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 11, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 1 Congress St was $7,069, up 4.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,069.00 (+4.83%)	$532,300 (+4.13%) Land $63,900 Building $468,400	$250,437
2025	$6,743.00	$511,200 Land $63,200 Building $448,000
2023	$5,904.00	$411,700 Land $50,000 Building $361,700

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

Flood

FEMA maps place 1 Congress St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1 Congress St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land 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	WORCESTER DPWP, WATER SUPPLY DIVISION serves 206,518 people · EPA ID MA2348000
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	2 ppb (2022–2024) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 497 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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