10 Malvern Hill Rd, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 10 Malvern Hill Rd, Sterling, MA 01564

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,647 sqft · built 1998
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$319,040 (Feb 1999)
Tax Bill	$9,992 (2026)
Deeds & Mortgages	Aug 2022 Line of Credit Jun 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`STER M:00113 L:00043`

Property Details

APN / Parcel Number

Primary APN	`STER M:00113 L:00043`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,647 sqft Living Area
Gross Area	5,607 sqft
Basement Area	1,139 sqft
Unfinished Basement	1,139 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Wood Siding
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	10 MALVERN HILL RD
City	STERLING
State	MA
Zip	01564-2830
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RRF
Legal Lot Number	43
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	4
Census Block	4005
Census Tract	719100

Owner

10 Malvern Hill Rd is owned and occupied by an individual who bought it in February 1999.

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

Owner of Record	Individual Name on File
Mailing Address	10 MALVERN HILL RD, STERLING, MA 01564-2830
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
Aug 26, 2022	Deed of Trust, Mortgage · Line of Credit FIDELITY COOPERATIVE BANK
Jun 26, 2019	Deed of Trust, Mortgage · Balloon Mortgage FIDELITY COOPERATIVE BANK
Oct 4, 2018	Deed of Trust, Mortgage · Line of Credit FIDELITY COOPERATIVE BANK
Mar 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage WORKERS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 1999 · Amount on File
Deed Sale	Feb 25, 1999 · Amount on File
Deed Book / Page	21083 / 165
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	10 MALVERN HILL RD, STERLING, MA 01564-2830
Transaction Type	Mortgage
Record Updated	Sep 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068126-26
Date	Aug 26, 2022
Book Page	68126/26
Instrument	94201

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2042

Interest

Rate Type	Adjustable Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	10 MALVERN HILL RD, STERLING, MA 01564-2830
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60609-123
Date	Jun 26, 2019
Book Page	60609/123
Instrument	59900

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2039

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	10 MALVERN HILL RD, STERLING, MA 01564-2830
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	59505-78
Date	Oct 4, 2018
Book Page	59505/78
Instrument	105581

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2038

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	10 MALVERN HILL RD, STERLING, MA 01564-2830
Document Number	56910-279
Book / Page	056910 / 000279
Instrument Date	Mar 24, 2017
Transaction Type	Mortgage
Record Updated	Apr 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	56910-279
Date	Mar 30, 2017
Book Page	056910/000279
Instrument	31477

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 29, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 10 Malvern Hill Rd was $9,992, up 1.7% from the year before.

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	$9,992.00 (+1.7%)	$796,200 (+4.38%) Land $179,300 Building $616,900	$956,840 (-)
2025	$9,825.00 (+1.25%)	$762,800 (+4.62%) Land $155,200 Building $607,600	$956,840 (+6.21%)
2024	$9,704.00 (+8.84%)	$729,100 (+16.94%) Land $150,100 Building $579,000	$900,885
2023	$8,916.00	$623,500 Land $142,300 Building $481,200

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

Flood

FEMA maps place 10 Malvern Hill Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.

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

Wildfire risk around 10 Malvern Hill Rd 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.

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 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Nearby Properties on Malvern Hill Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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