103 Exchange St, Leominster, MA 01453 Property Records

Worcester County and Leominster City property record for 103 Exchange St, Leominster, MA 01453

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,465 sqft · built 1900
Lot Size	0.805 acres (35,078 sqft)
Owner	Individual Name on File
Last Sale	$80,500 (Sep 1997)
Tax Bill	$5,386 (2026)
Deeds & Mortgages	Jan 2022 Refinance Jan 2022 Transfer
Flood Zone	Zone AE (high risk)
APN	`LEOM M:0125 B:0022 L:0000`

Property Details

APN / Parcel Number

Primary APN	`LEOM M:0125 B:0022 L:0000`
Alternative APN	`2723`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,465 sqft Living Area
Gross Area	3,021 sqft
Basement Area	804 sqft
Unfinished Basement	804 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	35,078 sqft (0.805 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	2723
Street Address	103 EXCHANGE ST
City	LEOMINSTER
State	MA
Zip	01453-2515
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Block	22
Jurisdiction	LEOMINSTER MA
Township / Civil Division	LEOMINSTER
Census Block Group	5
Census Block	5008
Census Tract	709701

Owner

103 Exchange St is owned and occupied by an individual who acquired it in January 2022.

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

Owner of Record	Individual Name on File
Mailing Address	103 EXCHANGE ST, LEOMINSTER, MA 01453-2515
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jan 7, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE AFFINITY LLC
Jan 7, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 1997 · Amount on File
Deed Sale	Sep 11, 1997 · Amount on File
Last Transfer Date	Jan 3, 2022
Transfer Doc	0010231-97
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEOMINSTER MA
Property Address	103 EXCHANGE ST, LEOMINSTER, MA 01453-2515
Transaction Type	Mortgage
Record Updated	Nov 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010231-100
Date	Jan 7, 2022
Book Page	10231/100
Instrument	511

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LEOMINSTER MA
Recording Date	Jan 7, 2022
Property Address	103 EXCHANGE ST, LEOMINSTER, MA 01453-2515
Document Number	0010231-97
Book / Page	10231 / 97
Instrument Date	Jan 3, 2022
Instrument	510
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
Relationship	Tenants by the Entirety
Address	103 EXCHANGE ST, LEOMINSTER, MA 01453-2515

Tax Assessment & Valuation

The 2026 property tax bill for 103 Exchange St was $5,386, up 5.3% from the year before.

Source: Worcester County and Leominster City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Leominster City
Unified School District	Leominster School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,386.00 (+5.34%)	$394,300 (+8.21%) Land $149,500 Building $244,800	$328,415 (-)
2025	$5,113.00 (+3.06%)	$364,400 (+6.58%) Land $146,500 Building $217,900	$328,415 (-13.16%)
2024	$4,961.00 (+4.2%)	$341,900 (+11.59%) Land $139,600 Building $202,300	$378,195
2023	$4,761.00	$306,400 Land $121,500 Building $184,900

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

Flood

FEMA maps place 103 Exchange St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2010)
Most Recent Claim	Feb 2010 · rainfall accumulation

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 103 Exchange 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	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	LEOMINSTER WATER DIVISION serves 41,683 people · EPA ID MA2153000
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Oct 2018
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 145 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Exchange St

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