10 Michael Ln, Sterling, MA 01564 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,248 sqft · built 1989
Lot Size	2.29 acres (99,752 sqft)
Owner	Individual Name on Record
Last Sale	$575,000 (Jul 2021)
Tax Bill	$8,623 (2026)
Deeds & Mortgages	Feb 2018 Mortgage Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`STER M:00095 L:00019`

Property Details

APN / Parcel Number

Primary APN	`STER M:00095 L:00019`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,248 sqft Living Area
Gross Area	4,200 sqft
Basement Area	1,208 sqft
Unfinished Basement	1,208 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	99,752 sqft (2.29 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	10 MICHAEL LN
City	STERLING
State	MA
Zip	01564-2722
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RRF
Legal Lot Number	19
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	3
Census Block	3028
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	10 MICHAEL LN, STERLING, MA 01564-2722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2018	Deed of Trust, Mortgage · Closed-End Mortgage I-C FCU
Jul 20, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MORTGAGE NETWORK INC
Jun 28, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SIRVA MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2021 · Amount on Record
Deed Sale	Jul 20, 2021 · Amount on Record
Prior Sale	Jun 28, 2019 · Amount on Record
Deed Document Number	2021101018
Deed Book / Page	65654 / 178
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	10 MICHAEL LN, STERLING, MA 01564-2722
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058417-87
Date	Feb 8, 2018
Book Page	58417/87
Instrument	12875

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	Jul 20, 2021
Property Address	10 MICHAEL LN, STERLING, MA 01564-2722
Document Number	065654-178
Book / Page	65654 / 178
Instrument Date	Jul 20, 2021
Instrument	101018
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	10 MICHAEL LN, STERLING, MA 01564-2722

Mortgage

Document Number	0000101019
Date	Jul 20, 2021
Instrument	101019

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	Jun 28, 2019
Property Address	10 MICHAEL LN, STERLING, MA 01564-2722
Document Number	060632-103
Book / Page	60632 / 103
Instrument Date	Jun 20, 2019
Instrument	61605
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount Recorded
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 MICHAEL LN, STERLING, MA 01564-2722

Mortgage

Document Number	0000061606
Date	Jun 28, 2019
Instrument	61606

Lender

Name	SIRVA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$8,623.00 (+2.68%)	$687,100 (+5.38%) Land $213,500 Building $473,600	$606,385 (-)
2025	$8,398.00 (+2.29%)	$652,000 (+5.71%) Land $183,600 Building $468,400	$606,385 (+1.09%)
2024	$8,210.00 (+5.31%)	$616,800 (+13.13%) Land $177,500 Building $439,300	$599,830
2023	$7,796.00	$545,200 Land $169,400 Building $375,800

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	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

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	0.02% 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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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