10 River Rd, Sturbridge, MA 01566 Property Records

Worcester County and Sturbridge Town property record for 10 River Rd, Sturbridge, MA 01566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,452 sqft · built 1969
Lot Size	0.92 acres (40,075 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Dec 2018)
Tax Bill	$7,057 (2026)
Deeds & Mortgages	Dec 2018 Sale & Mortgage Feb 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`545-03432-010`

Property Details

APN / Parcel Number

Primary APN	`545-03432-010`
Alternative APNs	`STUR M:545 B:000 L:3432-010` `M:545 B:000 L:3432=010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,452 sqft Living Area
Gross Area	3,611 sqft
Basement Area	1,432 sqft
Finished Basement	1,432 sqft
Unfinished Basement	1,432 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,075 sqft (0.92 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	545-03432-010
Street Address	10 RIVER RD
City	STURBRIDGE
State	MA
Zip	01566-1112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SUD
Legal Lot Number	3432-10
Jurisdiction	STURBRIDGE MA
Township / Civil Division	STURBRIDGE
Census Block Group	1
Census Block	1039
Census Tract	758101

Owner

Source: Worcester County and Sturbridge 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 RIVER RD, STURBRIDGE, MA 01566-1112
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2018	Quit Claim Deed, Transfer · VA Mortgage NAVY FCU
Feb 24, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2018 · Amount on Record
Deed Sale	Dec 13, 2018 · Amount on Record
Prior Sale	Oct 1, 2007 · Amount on Record
Deed Book / Page	59814 / 268
Prior Transfer Date	Dec 10, 2018
Prior Transfer Doc	059814-268
Record Updated	Oct 29, 2026

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STURBRIDGE MA
Recording Date	Dec 13, 2018
Property Address	10 RIVER RD, STURBRIDGE, MA 01566-1112
Document Number	59814-268
Book / Page	059814 / 000268
Instrument Date	Dec 10, 2018
Instrument	131944
Transaction Type	Transfer
Record Updated	Jan 2, 2019

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,276.80
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 RIVER RD STURBRIDGE MA 015661112, STURBRIDGE, MA 01566-1112

Mortgage

Document Number	59814-270
Date	Dec 13, 2018
Book Page	059814/000270
Instrument	131945

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 12, 2048

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STURBRIDGE MA
Property Address	10 RIVER RD, STURBRIDGE, MA 01566-1112
Document Number	58530-355
Instrument Date	Feb 24, 2018
Transaction Type	Mortgage
Record Updated	Apr 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58530-355
Date	Mar 12, 2018
Book Page	058530/000355
Instrument	22930

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Worcester County and Sturbridge Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Sturbridge Town
Elementary School District	Sturbridge School District (PK - 06)
Secondary School District	Tantasqua School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,057.00 (+3.23%)	$452,400 (+5.43%) Land $87,300 Building $365,100	$457,226 (+4.42%)
2025	$6,836.00 (+10.69%)	$429,100 (+14.58%) Land $83,800 Building $345,300	$437,855 (-4.08%)
2024	$6,176.00 (+6.14%)	$374,500 (+16.3%) Land $82,200 Building $292,300	$456,475
2023	$5,819.00	$322,000 Land $71,000 Building $251,000

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	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	STURBRIDGE WATER DEPARTMENT serves 4,746 people · EPA ID MA2287000
Water Source	Groundwater influenced by surface water
Last State Inspection	Sep 2024
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Jul 2019
Treatment and Procedure	None last 10 years
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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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