10 Matthew Ln, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 10 Matthew Ln, Sterling, MA 01564

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,246 sqft · built 2004
Lot Size	1.16 acres (50,530 sqft)
Owner	Individual Name on Record
Last Sale	$679,000 (Aug 2005)
Tax Bill	$11,414 (2026)
Deeds & Mortgages	Apr 2024 Refinance Dec 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`STER M:00091 L:00018`

Property Details

APN / Parcel Number

Primary APN	`STER M:00091 L:00018`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,246 sqft Living Area
Gross Area	6,364 sqft
Basement Area	1,520 sqft
Unfinished Basement	1,520 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	50,530 sqft (1.16 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	10 MATTHEW LN
City	STERLING
State	MA
Zip	01564-1541
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RRF
Legal Lot Number	18
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	5
Census Block	5033
Census Tract	719100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	10 MATTHEW LN, STERLING, MA 01564-1541
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance CLINTON SAVINGS BANK
Dec 4, 2023	Quit Claim Deed, Transfer Quitclaim
Feb 16, 2018	Deed of Trust, Mortgage CLINTON SAVINGS BANK
Apr 15, 2020	Quit Claim Deed, Transfer · Stand-Alone Refinance MORTGAGE EQUITY PARTNERS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2005 · Amount on Record
Deed Sale	Aug 10, 2005 · Amount on Record
Deed Book / Page	37037 / 393
Last Transfer Date	Nov 30, 2023
Transfer Doc	0069956-40
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	10 MATTHEW LN, STERLING, MA 01564-1541
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070409-207
Date	Apr 18, 2024
Book Page	70409/207
Instrument	28146

Lender

Name	CLINTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2044

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	Dec 4, 2023
Property Address	10 MATTHEW LN, STERLING, MA 01564-1541
Document Number	0069956-40
Book / Page	69956 / 40
Instrument Date	Nov 30, 2023
Instrument	101477
Transaction Type	Transfer
Record Updated	Dec 22, 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	10 MATTHEW LN, STERLING, MA 01564-1541

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	10 MATTHEW LN, STERLING, MA 01564-1541
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58445-19
Date	Feb 16, 2018
Book Page	58445/19
Instrument	15507

Lender

Name	CLINTON SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	Apr 15, 2020
Property Address	10 MATTHEW LN, STERLING, MA 01564-1541
Document Number	62211-268
Book / Page	62211 / 268
Instrument Date	Apr 10, 2020
Instrument	37722
Transaction Type	Transfer
Record Updated	May 12, 2021

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	10 MATTHEW LN, STERLING, MA 01564-1541

Mortgage

Document Number	62211-274
Date	Apr 15, 2020
Book Page	62211/274
Instrument	37724

Lender

Name	MORTGAGE EQUITY PARTNERS LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

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	$11,414.00 (+1.86%)	$909,500 (+4.54%) Land $182,700 Building $726,800	$858,895 (-)
2025	$11,206.00 (+1.3%)	$870,000 (+4.68%) Land $158,000 Building $712,000	$858,895 (+1.21%)
2024	$11,062.00 (+11.1%)	$831,100 (+19.36%) Land $152,700 Building $678,400	$848,635
2023	$9,957.00	$696,300 Land $144,800 Building $551,500

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	2 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

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

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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