10 Neptune Rd, Worcester, MA 01605 Property Records

Worcester County and Worcester City property record for 10 Neptune Rd, Worcester, MA 01605

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,653 sqft · built 1930
Lot Size	0.187 acres (8,136 sqft)
Owner	Individual Name on File
Last Sale	$530,000 (May 2026)
Tax Bill	$5,582 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage Jan 2019 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`21-07C-00069`

Property Details

APN / Parcel Number

Primary APN	`21-07C-00069`
Alternative APN	`WORC M:21 B:07C L:00069`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,653 sqft Living Area
Gross Area	3,353 sqft
1st Floor Area	1,653 sqft
Basement Area	1,525 sqft
Unfinished Basement	1,525 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,136 sqft (0.187 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	21-07C-00069
Street Address	10 NEPTUNE RD
City	WORCESTER
State	MA
Zip	01605-3818
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Subdivision	FOREST HEIGHTS
Legal Block	7C
Legal Lot Number	69
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	2
Census Block	2009
Census Tract	730600

Owner

10 Neptune Rd is owned and occupied by an individual who bought it in May 2026.

Source: Worcester County and Worcester City 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 File
Mailing Address	10 NEPTUNE RD, WORCESTER, MA 01605-3818
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Person

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ONE CTRL BANK
Jan 16, 2019	Deed of Trust, Mortgage · Line of Credit DIGITAL FCU
Sep 3, 2019	Deed of Trust, Mortgage · Balloon Mortgage DIGITAL FCU
Apr 27, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
Nov 13, 2018	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2026 · Amount on File
Deed Sale	May 22, 2026 · Amount on File
Prior Sale	Nov 13, 2018 · Amount on File
Deed Document Number	202640879
Deed Book / Page	73615 / 104
Transfer Doc	59679-223
Record Updated	Oct 29, 2026

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	May 22, 2026
Property Address	10 NEPTUNE RD, WORCESTER, MA 01605-3818
Document Number	073615-104
Book / Page	73615 / 104
Instrument Date	May 9, 2026
Instrument	202640879
Transaction Type	Transfer
Record Updated	Jun 9, 2026

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 NEPTUNE RD, WORCESTER, MA 01605-3818
Investor	Possibly a Property Investor

Mortgage

Date	May 22, 2026

Lender

Name	ONE CTRL BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate	6.37%
Max Rate	-1%

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	10 NEPTUNE RD, WORCESTER, MA 01605-3818
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EQUITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	59944-78
Date	Jan 16, 2019
Book Page	59944/78
Instrument	4605

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Feb 1, 2059

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	10 NEPTUNE RD, WORCESTER, MA 01605-3818
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60990-347
Date	Sep 3, 2019
Book Page	60990/347
Instrument	89900

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	481 Months
Due	Oct 1, 2059

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	10 NEPTUNE RD, WORCESTER, MA 01605-3818
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62278-88
Date	Apr 27, 2020
Book Page	62278/88
Instrument	41714

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	May 1, 2035

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Nov 13, 2018
Property Address	10 NEPTUNE RD, WORCESTER, MA 01605-3818
Document Number	59679-223
Book / Page	059679 / 000223
Instrument Date	Oct 26, 2018
Instrument	120311
Transaction Type	Transfer
Record Updated	Dec 4, 2018

Transaction

Amount	Amount on Record
Tax	$1,299.60
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10 NEPTUNE RD WORCESTER MA 016053818, WORCESTER, MA 01605-3818

Tax Assessment & Valuation

The 2026 property tax bill for 10 Neptune Rd was $5,582, up 2.9% 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	$5,582.00 (+2.91%)	$420,300 (+2.21%) Land $128,800 Building $291,500	$483,461 (+10.11%)
2025	$5,424.00	$411,200 Land $122,700 Building $288,500	$439,090 (-0.15%)
2024			$439,755
2023	$4,977.00	$347,100 Land $105,700 Building $241,400

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

Flood

FEMA maps place 10 Neptune Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 10 Neptune Rd 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 299 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Netafy Fixed Wireless	150 / 150

May also be available: Verizon.

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