10 Cold Harbor Dr, Northborough, MA 01532 Property Records

Worcester County and Northborough Town property record for 10 Cold Harbor Dr, Northborough, MA 01532

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,840 sqft · built 1975
Lot Size	0.924 acres (40,232 sqft)
Owner	Individual Name on File
Last Sale	$515,000 (Apr 2021)
Tax Bill	$11,391 (2025)
Deeds & Mortgages	Jul 2022 Refinance May 2022 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`NBOR M:0600 L:0033`

Property Details

APN / Parcel Number

Primary APN	`NBOR M:0600 L:0033`
Alternative APN	`M:096.0 B:0000 L:0032.0`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,840 sqft Living Area
Gross Area	8,553 sqft
1st Floor Area	2,832 sqft
Basement Area	2,064 sqft
Unfinished Basement	2,064 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1981
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,232 sqft (0.924 acres)
Garage Type	Basement
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Street Address	10 COLD HARBOR DR
City	NORTHBOROUGH
State	MA
Zip	01532-1203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Lot Number	33
Jurisdiction	NORTHBOROUGH MA
Township / Civil Division	NORTHBOROUGH
Census Block Group	2
Census Block	2010
Census Tract	740101

Owner

10 Cold Harbor Dr is owned and occupied by an individual who bought it in April 2021.

Source: Worcester County and Northborough Town records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	10 COLD HARBOR DR, NORTHBOROUGH, MA 01532-1203
Occupancy	Owner Occupied
Owner Type	Individual

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 28, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU
May 3, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHPOINTE BANK
Mar 25, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CLINTON SAVINGS BANK
Sep 2, 2021	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Apr 16, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage COUNTY MORTGAGE LLC
Aug 16, 2019	Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2021 · Amount on File
Deed Sale	Apr 16, 2021 · Amount on File
Prior Sale	Aug 16, 2019 · Amount on File
Deed Document Number	202153457
Deed Book / Page	64962 / 95
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHBOROUGH MA
Property Address	10 COLD HARBOR DR, NORTHBOROUGH, MA 01532-1203
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067976-321
Date	Jul 28, 2022
Book Page	67976/321
Instrument	82448

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2042

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHBOROUGH MA
Property Address	10 COLD HARBOR DR, NORTHBOROUGH, MA 01532-1203
Transaction Type	Mortgage
Record Updated	May 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067530-171
Date	May 3, 2022
Book Page	67530/171
Instrument	48258

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHBOROUGH MA
Property Address	10 COLD HARBOR DR, NORTHBOROUGH, MA 01532-1203
Transaction Type	Mortgage
Record Updated	Apr 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067329-354
Date	Mar 25, 2022
Book Page	67329/354
Instrument	33562

Lender

Name	CLINTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	85 Months
Due	Apr 1, 2029

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHBOROUGH MA
Property Address	10 COLD HARBOR DR, NORTHBOROUGH, MA 01532-1203
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	65975-302
Date	Sep 2, 2021
Book Page	65975/302
Instrument	123581

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTHBOROUGH MA
Recording Date	Apr 16, 2021
Property Address	10 COLD HARBOR DR, NORTHBOROUGH, MA 01532-1203
Document Number	64962-95
Book / Page	64962 / 95
Instrument Date	Apr 16, 2021
Instrument	53457
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
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	10 COLD HARBOR DR, NORTHBOROUGH, MA 01532-1203
Investor	Possibly a Property Investor

Mortgage

Document Number	53458
Date	Apr 16, 2021
Instrument	53458

Lender

Name	COUNTY MORTGAGE LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

August 2019: Foreclosure

Document Type	Foreclosure
Jurisdiction	NORTHBOROUGH MA
Recording Date	Aug 16, 2019
Property Address	10 COLD HARBOR DR, NORTHBOROUGH, MA 01532-1203
Document Number	60892-124
Book / Page	060892 / 000124
Instrument Date	Aug 6, 2019
Instrument	82248
Transaction Type	Foreclosure
Record Updated	Sep 4, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$2,945.76
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	1600 S DOUGLASS RD #200-A ANAHEIM CA 928065948, 200-A, ANAHEIM, CA 92806-5948

Tax Assessment & Valuation

The 2025 property tax bill for 10 Cold Harbor Dr was $11,391, up 10.5% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Northborough Town
Elementary School District	Northborough School District (KG - 08)
Secondary School District	Northborough-Southborough School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,391.00 (+10.5%)	$799,400 (+10.74%) Land $315,300 Building $484,100	$790,780 (+13.01%)
2024	$10,309.00 (+3.86%)	$721,900 (+7.57%) Land $251,700 Building $470,200	$699,770
2023	$9,926.00	$671,100 Land $237,300 Building $433,800

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

Flood

FEMA maps place 10 Cold Harbor Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1987.

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	5 in force
Nearby Flood Claims	2 (1987–2010)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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

Wildfire risk around 10 Cold Harbor Dr is low, with a 0.01% annual chance of 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: SELCO.

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