10 Howland Ter, Worcester, MA 01602 Property Records

Worcester County and Worcester City property record for 10 Howland Ter, Worcester, MA 01602

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,650 sqft · built 1930
Lot Size	0.117 acres (5,100 sqft)
Owner	Individual Name on File
Last Sale	$258,000 (Mar 2020)
Tax Bill	$5,340 (2026)
Deeds & Mortgages	Nov 2025 Line of Credit Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-018-00010`

Property Details

APN / Parcel Number

Primary APN	`24-018-00010`
Alternative APN	`WORC M:24 B:018 L:00010`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,650 sqft Living Area
Gross Area	3,300 sqft
1st Floor Area	825 sqft
Attic	Attic
Attic Area	825 sqft
Basement Area	537 sqft
Unfinished Basement	537 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Colonial
Exterior Material	Combination
Construction Type	Stone
Roof Type	Gable
Roof Material	Slate
Lot Area	5,100 sqft (0.117 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	24-018-00010
Street Address	10 HOWLAND TER
City	WORCESTER
State	MA
Zip	01602-2607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Block	18
Legal Lot Number	10
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	1
Census Block	1008
Census Tract	730901

Owner

10 Howland Ter is owned and occupied by an individual who bought it in March 2020.

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

Owner of Record	Individual Name on File
Mailing Address	10 HOWLAND TER, WORCESTER, MA 01602-2607
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
Nov 5, 2025	Deed of Trust, Mortgage · Line of Credit ST MARYS CREDIT UNION
Mar 13, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ST MARYS CREDIT UNION
Jul 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage UMASSFIVE COLLEGE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2020 · Amount on File
Deed Sale	Mar 13, 2020 · Amount on File
Prior Sale	Mar 11, 2016 · Amount on File
Deed Document Number	202026750
Deed Book / Page	62041 / 119
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	10 HOWLAND TER, WORCESTER, MA 01602-2607
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072783-68
Date	Nov 5, 2025
Book Page	72783/68
Instrument	96328

Lender

Name	ST MARYS CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Mar 13, 2020
Property Address	10 HOWLAND TER, WORCESTER, MA 01602-2607
Document Number	62041-119
Book / Page	62041 / 119
Instrument Date	Mar 13, 2020
Instrument	26750
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 HOWARD TER, CHERRY VALLEY, MA 01611-3210

Mortgage

Document Number	26899
Date	Mar 13, 2020
Instrument	26899

Lender

Name	ST MARYS CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	10 HOWLAND TER, WORCESTER, MA 01602-2607
Document Number	57560-132
Instrument Date	Jul 26, 2017
Transaction Type	Mortgage
Record Updated	Aug 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57560-132
Date	Aug 10, 2017
Book Page	057560/000132
Instrument	86763

Lender

Name	UMASSFIVE COLLEGE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 10 Howland Ter was $5,340, up 2.7% 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	$5,340.00 (+2.73%)	$402,100 (+2.03%) Land $103,800 Building $298,300	$442,162 (-0.72%)
2025	$5,198.00	$394,100 Land $98,900 Building $295,200	$445,360 (+14.85%)
2024			$387,790
2023	$4,887.00	$340,800 Land $86,000 Building $254,800

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

Flood

FEMA maps place 10 Howland Ter in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 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

The area around 10 Howland Ter 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 775 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20

May also be available: T-Mobile.

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