1 James Rd, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 1 James Rd, Sterling, MA 01564

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,248 sqft · built 1979
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Aug 2002)
Tax Bill	$6,161 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Mar 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`STER M:00114 L:00004`

Property Details

APN / Parcel Number

Primary APN	`STER M:00114 L:00004`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
Gross Area	2,952 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	1 JAMES RD
City	STERLING
State	MA
Zip	01564-1404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RRF
Legal Lot Number	4
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	4
Census Block	4006
Census Tract	719100

Owner

Source: Worcester County and Sterling Town records, as of October 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	1 JAMES RD, STERLING, MA 01564-1404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
Mar 10, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ACADEMY MORTGAGE CORP
Jul 26, 2017	Deed of Trust, Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2002 · Amount on Record
Deed Sale	Aug 13, 2002 · Amount on Record
Prior Sale	Jul 16, 1999 · Amount on Record
Deed Book / Page	27205 / 161
Transfer Doc	52842-46
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Recording Date	Jun 29, 2026
Property Address	1 JAMES RD, STERLING, MA 01564-1404
Document Number	0000053254
Book / Page	73789 / 171
Instrument Date	Jun 23, 2026
Instrument	202653254
Transaction Type	Mortgage
Record Updated	Jul 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 JAMES RD, STERLING, MA 01564-1404

Mortgage

Document Number	0000053254,
Date	Jun 29, 2026
Book Page	73789/171
Instrument	202653254

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	1 JAMES RD, STERLING, MA 01564-1404
Transaction Type	Mortgage
Record Updated	Mar 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64648-352
Date	Mar 10, 2021
Book Page	64648/352
Instrument	33103

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	1 JAMES RD, STERLING, MA 01564-1404
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57477-180
Date	Jul 26, 2017
Book Page	57477/180
Instrument	79919

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2037

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Sterling Town
Unified School District	Wachusett School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,161.00 (-0.88%)	$490,900 (+1.72%) Land $149,400 Building $341,500	$547,580 (-)
2025	$6,216.00 (-1.43%)	$482,600 (+1.86%) Land $129,400 Building $353,200	$547,580 (+11.92%)
2024	$6,306.00 (+3.63%)	$473,800 (+11.35%) Land $129,400 Building $344,400	$489,250
2023	$6,085.00	$425,500 Land $129,400 Building $296,100

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 November 30, 2025 · 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 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2026 · rainfall accumulation

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	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	STERLING WATER DEPARTMENT serves 6,814 people · EPA ID MA2282000
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	9 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Feb 2024
Monitoring and Reporting	1 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 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: T-Mobile, Verizon.

Nearby Properties on James Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures