103 Maple St, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 103 Maple St, Sterling, MA 01564

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,308 sqft · built 1999
Lot Size	1.14 acres (49,658 sqft)
Owner	Individual Name on Record
Last Sale	$1,000,000 (May 2024)
Tax Bill	$11,004 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Jan 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`STER M:00107 L:00020`

Property Details

APN / Parcel Number

Primary APN	`STER M:00107 L:00020`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,308 sqft Living Area
Gross Area	5,696 sqft
1st Floor Area	824 sqft
Basement Area	824 sqft
Unfinished Basement	824 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	49,658 sqft (1.14 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	103 MAPLE ST
City	STERLING
State	MA
Zip	01564-1530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RRF
Legal Lot Number	20
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	5
Census Block	5032
Census Tract	719100

Owner

Source: Worcester County and Sterling 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	103 MAPLE ST, STERLING, MA 01564-1530
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage
Jan 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BAXTER CU
Sep 29, 2025	Deed of Trust, Mortgage · Conventional Mortgage I-C FCU
May 11, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE AFFINITY LLC
Dec 8, 2017	Quit Claim Deed, Transfer · Conventional Mortgage BAXTER CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2024 · Amount on Record
Deed Sale	May 31, 2024 · Amount on Record
Prior Sale	May 11, 2023 · Amount on Record
Deed Document Number	202441000
Deed Book / Page	70576 / 113
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Recording Date	Apr 22, 2026
Property Address	103 MAPLE ST, STERLING, MA 01564-1530
Document Number	073472-341
Book / Page	73472 / 341
Instrument Date	Apr 17, 2026
Instrument	202630627
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 MAPLE ST, STERLING, MA 01564-1530

Mortgage

Document Number	0000030627,
Date	Apr 22, 2026
Book Page	73472/341
Instrument	202630627

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Initial Type	Adjustable Rate
Type Change Date	May 12, 2033
Index	1-Year CMT
Margin	3
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	103 MAPLE ST, STERLING, MA 01564-1530
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	064159-216
Date	Jan 6, 2021
Book Page	64159/216
Instrument	1651

Lender

Name	BAXTER CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	103 MAPLE ST, STERLING, MA 01564-1530
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072597-143
Date	Sep 29, 2025
Book Page	72597/143
Instrument	83209

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2045

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	May 11, 2023
Property Address	103 MAPLE ST, STERLING, MA 01564-1530
Document Number	069119-309
Book / Page	69119 / 309
Instrument Date	May 11, 2023
Instrument	36158
Transaction Type	Transfer
Record Updated	May 26, 2023

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	103 MAPLE ST, STERLING, MA 01564-1530

Mortgage

Document Number	0000036159
Date	May 11, 2023
Instrument	36159

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	Dec 8, 2017
Property Address	103 MAPLE ST, STERLING, MA 01564-1530
Document Number	58157-100
Book / Page	058157 / 000100
Instrument Date	Dec 2, 2017
Instrument	137393
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,878.00
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	25007 SARGASSO CT STEVENSON RANCH CA 913812200, STEVENSON RANCH, CA 91381-2200

Mortgage

Document Number	58157-104
Date	Dec 8, 2017
Book Page	058157/000104
Instrument	137394

Lender

Name	BAXTER CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Sterling Town
Unified School District	Wachusett School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,004.00 (+1.77%)	$876,800 (+4.44%) Land $182,200 Building $694,600	$931,950 (-)
2025	$10,813.00 (-8.84%)	$839,500 (-5.79%) Land $157,700 Building $681,800	$931,950 (+0.4%)
2024	$11,861.00 (+7.95%)	$891,100 (+15.97%) Land $152,400 Building $738,700	$928,245
2023	$10,988.00	$768,400 Land $144,500 Building $623,900

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	STERLING WATER DEPARTMENT serves 6,814 people · EPA ID MA2282000
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	9 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Feb 2024
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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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