101 Howard St, Northborough, MA 01532 Property Records

Worcester County and Northborough Town property record for 101 Howard St, Northborough, MA 01532

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,540 sqft · built 1998
Lot Size	0.614 acres (26,750 sqft)
Owner	2 Individual Names on File
Last Sale	$522,500 (Dec 2002)
Tax Bill	$12,373 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit May 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`NBOR M:0440 L:0044`

Property Details

APN / Parcel Number

Primary APN	`NBOR M:0440 L:0044`
Alternative APN	`M:056.0 B:0000 L:0014.0`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	2,540 sqft Living Area
Gross Area	5,372 sqft
1st Floor Area	1,440 sqft
Basement Area	1,440 sqft
Unfinished Basement	1,440 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,750 sqft (0.614 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	101 HOWARD ST
City	NORTHBOROUGH
State	MA
Zip	01532-1316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Subdivision	LAND NORTHBOROUGH
Legal Lot Number	44
Jurisdiction	NORTHBOROUGH MA
Township / Civil Division	NORTHBOROUGH
Census Block Group	3
Census Block	3029
Census Tract	740101

Owner

101 Howard St is owned and occupied by two individuals who bought it in December 2002.

Source: Worcester County and Northborough Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	101 HOWARD ST, NORTHBOROUGH, MA 01532-1316
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
Nov 25, 2025	Deed of Trust, Mortgage · Line of Credit GEORGIAS OWN CU
May 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Jun 11, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2002 · Amount on File
Deed Sale	Dec 31, 2002 · Amount on File
Prior Sale	Nov 6, 1998 · Amount on File
Deed Book / Page	28590 / 220
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHBOROUGH MA
Property Address	101 HOWARD ST, NORTHBOROUGH, MA 01532-1316
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072884-278
Date	Nov 25, 2025
Book Page	72884/278
Instrument	103362

Lender

Name	GEORGIAS OWN CU

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHBOROUGH MA
Property Address	101 HOWARD ST, NORTHBOROUGH, MA 01532-1316
Transaction Type	Mortgage
Record Updated	Jun 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	65255-189
Date	May 26, 2021
Book Page	65255/189
Instrument	73142

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHBOROUGH MA
Property Address	101 HOWARD ST, NORTHBOROUGH, MA 01532-1316
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62570-84
Date	Jun 11, 2020
Book Page	62570/84
Instrument	60820

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 101 Howard St was $12,373, up 8.7% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Northborough Town
Elementary School District	Northborough School District (KG - 08)
Secondary School District	Northborough-Southborough School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,373.00 (+8.69%)	$868,300 (+8.92%) Land $265,000 Building $603,300	$994,935 (+3.07%)
2024	$11,384.00 (+5.97%)	$797,200 (+9.75%) Land $219,700 Building $577,500	$965,295
2023	$10,743.00	$726,400 Land $207,400 Building $519,000

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

Flood

FEMA maps place 101 Howard St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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 101 Howard St is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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	NORTHBOROUGH WATER DEPARTMENT (MWRA) serves 13,551 people · EPA ID MA2215000
Water Source	Purchased surface water from MWRA
Last State Inspection	May 2024
Lead	1 ppb (2025) 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 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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