105 Howard St, Northborough, MA 01532 Property Records

Worcester County and Northborough Town property record for 105 Howard St, Northborough, MA 01532

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,000 sqft · built 1998
Lot Size	2.68 acres (116,754 sqft)
Owner	2 Trust Names on File
Last Sale	$814,000 (Dec 2017)
Tax Bill	$17,171 (2025)
Deeds & Mortgages	Sep 2025 Transfer Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`NBOR M:0440 L:0045`

Property Details

APN / Parcel Number

Primary APN	`NBOR M:0440 L:0045`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,000 sqft Living Area
Gross Area	7,656 sqft
1st Floor Area	1,647 sqft
Basement Area	1,635 sqft
Unfinished Basement	1,635 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	116,754 sqft (2.68 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	105 HOWARD ST
City	NORTHBOROUGH
State	MA
Zip	01532-1316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Subdivision	NORTHBOROUGH
Legal Lot Number	45
Jurisdiction	NORTHBOROUGH MA
Township / Civil Division	NORTHBOROUGH
Census Block Group	3
Census Block	3029
Census Tract	740101

Owner

105 Howard St is owner-occupied and held in a trust since December 2017.

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

Owner of Record	2 Trust Names on File
Mailing Address	105 HOWARD ST, NORTHBOROUGH, MA 01532-1316
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Sep 26, 2025	Quit Claim Deed, Transfer Quitclaim
Dec 11, 2017	Quit Claim Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2017 · Amount on File
Deed Sale	Dec 11, 2017 · Amount on File
Prior Sale	Jan 15, 2016 · Amount on File
Deed Book / Page	58169 / 309
Transfer Doc	058169-309
Record Updated	Oct 29, 2026

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTHBOROUGH MA
Recording Date	Sep 26, 2025
Property Address	105 HOWARD ST, NORTHBOROUGH, MA 01532-1316
Document Number	0072590-73
Book / Page	72590 / 73
Instrument Date	Sep 24, 2025
Instrument	82685
Transaction Type	Transfer
Record Updated	Oct 15, 2025

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
Address	105 HOWARD ST, NORTHBOROUGH, MA 01532-1316

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTHBOROUGH MA
Recording Date	Dec 11, 2017
Property Address	105 HOWARD ST, NORTHBOROUGH, MA 01532-1316
Document Number	58169-309
Book / Page	058169 / 000309
Instrument Date	Dec 2, 2017
Instrument	138410
Transaction Type	Transfer
Record Updated	Mar 5, 2019

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,711.84
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	105 HOWARD ST NORTHBOROUGH MA 015321316, NORTHBOROUGH, MA 01532-1316

Mortgage

Document Number	58169-313
Date	Dec 11, 2017
Book Page	058169/000313
Instrument	138411

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 10, 2047

Interest

Rate	3.6%

Tax Assessment & Valuation

The 2025 property tax bill for 105 Howard St was $17,171, 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	$17,171.00 (+8.67%)	$1,205,000 (+8.9%) Land $307,700 Building $897,300	$1,282,120 (+0.97%)
2024	$15,801.00 (+6.48%)	$1,106,500 (+10.29%) Land $249,900 Building $856,600	$1,269,865
2023	$14,839.00	$1,003,300 Land $237,100 Building $766,200

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

Flood

FEMA maps place 105 Howard St in Zone X, an area of minimal flood risk, within 100 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 100 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 105 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	Direct burnable vegetation

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.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Howard St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures