10 Surrey Ln, Worcester, MA 01609 Property Records

Worcester County and Worcester City property record for 10 Surrey Ln, Worcester, MA 01609

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,663 sqft · built 1915
Lot Size	0.545 acres (23,751 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Apr 2018)
Tax Bill	$10,049 (2026)
Deeds & Mortgages	May 2025 Line of Credit Dec 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`21-010-0033A`

Property Details

APN / Parcel Number

Primary APN	`21-010-0033A`
Alternative APN	`WORC M:21 B:010 L:0033A`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,663 sqft Living Area
Gross Area	7,356 sqft
1st Floor Area	1,736 sqft
Attic	Attic
Attic Area	1,296 sqft
Basement Area	1,296 sqft
Unfinished Basement	1,296 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Stone
Roof Type	Gable
Roof Material	Slate
Lot Area	23,751 sqft (0.545 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	21-010-0033A
Street Address	10 SURREY LN
City	WORCESTER
State	MA
Zip	01609-1214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-10
Legal Block	10
Legal Lot Number	33A
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3000
Census Tract	730600

Owner

10 Surrey Ln is owned and occupied by two individuals who acquired it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	10 SURREY LN, WORCESTER, MA 01609-1214
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
May 1, 2025	Deed of Trust, Mortgage · Line of Credit CORNERSTONE BANK
Dec 22, 2020	Quit Claim Deed, Transfer · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2018 · Amount on File
Deed Sale	Apr 24, 2018 · Amount on File
Prior Sale	Jul 20, 2007 · Amount on File
Deed Book / Page	58702 / 266
Last Transfer Date	Dec 16, 2020
Transfer Doc	0064041-29
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	10 SURREY LN, WORCESTER, MA 01609-1214
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071936-26
Date	May 1, 2025
Book Page	71936/26
Instrument	34473

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Dec 22, 2020
Property Address	10 SURREY LN, WORCESTER, MA 01609-1214
Document Number	64041-29
Book / Page	64041 / 29
Instrument Date	Dec 16, 2020
Instrument	159533
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
Relationship	Tenants by the Entirety
Address	10 SURREY LN, WORCESTER, MA 01609-1214

Mortgage

Document Number	64041-33
Date	Dec 22, 2020
Book Page	64041/33
Instrument	159534

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 10 Surrey Ln was $10,049, up 2.5% 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	$10,049.00 (+2.53%)	$756,700 (+1.83%) Land $136,700 Building $620,000	$840,736 (-3.06%)
2025	$9,801.00	$743,100 Land $129,400 Building $613,700	$867,255 (-0.13%)
2024			$868,395
2023	$9,143.00	$637,600 Land $106,300 Building $531,300

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

Flood

FEMA maps place 10 Surrey Ln in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 7 (15% premium discount)
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

Wildfire risk around 10 Surrey Ln is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 96% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 440 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile, Xfinity.

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