10 N Row Rd, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 10 N Row Rd, Sterling, MA 01564

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,636 sqft · built 1986
Lot Size	1.12 acres (48,787 sqft)
Owner	Individual Name on Record
Last Sale	$500,000 (May 2020)
Tax Bill	$8,514 (2026)
Deeds & Mortgages	Oct 2022 Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`STER M:00030 L:00002`

Property Details

APN / Parcel Number

Primary APN	`STER M:00030 L:00002`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,636 sqft Living Area
Gross Area	5,074 sqft
1st Floor Area	964 sqft
Basement Area	832 sqft
Unfinished Basement	832 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	48,787 sqft (1.12 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	10 N ROW RD
City	STERLING
State	MA
Zip	01564-2240
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RRF
Legal Lot Number	2
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	2
Census Block	2027
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 N ROW RD, STERLING, MA 01564-2240
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2022	Quit Claim Deed, Transfer · ARM BAY STATE SAVINGS BANK
May 29, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEOMINSTER CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2020 · Amount on Record
Deed Sale	May 29, 2020 · Amount on Record
Prior Sale	Jul 3, 1986 · Amount on Record
Deed Document Number	202055516
Deed Book / Page	62493 / 158
Last Transfer Date	Aug 31, 2022
Transfer Doc	068333-235
Record Updated	Oct 29, 2026

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	Oct 11, 2022
Property Address	10 N ROW RD, STERLING, MA 01564-2240
Document Number	068333-235
Book / Page	68333 / 235
Instrument Date	Aug 31, 2022
Instrument	110467
Transaction Type	Transfer
Record Updated	Nov 15, 2022

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 N ROW RD, STERLING, MA 01564-2240

Mortgage

Document Number	068333-237
Date	Oct 11, 2022
Book Page	68333/237
Instrument	110468

Lender

Name	BAY STATE SAVINGS BANK

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Nov 1, 2032
Index	1-Year CMT

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	May 29, 2020
Property Address	10 N ROW RD, STERLING, MA 01564-2240
Document Number	62493-158
Book / Page	62493 / 158
Instrument Date	May 26, 2020
Instrument	55516
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	MISC COMPANY

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 N ROW RD, STERLING, MA 01564-2240

Mortgage

Document Number	55517
Date	May 29, 2020
Instrument	55517

Lender

Name	LEOMINSTER CU
Type	Credit Union

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	$8,514.00 (+1.55%)	$678,400 (+4.22%) Land $151,500 Building $526,900	$578,265 (-)
2025	$8,384.00 (+1.95%)	$650,900 (+5.34%) Land $131,100 Building $519,800	$578,265 (-2.76%)
2024	$8,224.00 (+5.23%)	$617,900 (+13.06%) Land $131,100 Building $486,800	$594,700
2023	$7,815.00	$546,500 Land $131,100 Building $415,400

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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