Worcester County and Worcester City property record for 109 Clover St, Worcester, MA 01603
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,386 sqft · built 1910 |
| Lot Size | 0.395 acres (17,222 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $315,000 (Sep 2021) |
| Tax Bill | $4,882 (2026) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage Feb 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-008-00003 |
| Primary APN | 27-008-00003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,386 sqft Living Area |
| Gross Area | 3,392 sqft |
| 1st Floor Area | 792 sqft |
| Basement Area | 792 sqft |
| Unfinished Basement | 792 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 17,222 sqft (0.395 acres) |
| Garage Type | Basement |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | 27-008-00003 |
|---|---|
| Street Address | 109 CLOVER ST |
| City | WORCESTER |
| State | MA |
| Zip | 01603-1930 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-7 |
| Legal Block | 8 |
| Legal Lot Number | 3 |
| Jurisdiction | WORCESTER MA |
| Township / Civil Division | WORCESTER |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 733101 |
109 Clover St is owned and occupied by two individuals who bought it in September 2021.
Source: Worcester County and Worcester City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 CLOVER ST, WORCESTER, MA 01603-1930 |
| 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.
| Date | Document |
|---|---|
| Sep 30, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage WEBSTER FIVE CENTS SAVINGS BANK |
| Feb 1, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage I-C FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2021 · Amount on File |
| Deed Sale | Sep 30, 2021 · Amount on File |
| Prior Sale | Feb 1, 2019 · Amount on File |
| Deed Document Number | 2021137248 |
| Deed Book / Page | 66186 / 61 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WORCESTER MA |
| Recording Date | Sep 30, 2021 |
| Property Address | 109 CLOVER ST, WORCESTER, MA 01603-1930 |
| Document Number | 66186-61 |
| Book / Page | 66186 / 61 |
| Instrument Date | Sep 30, 2021 |
| Instrument | 137248 |
| Transaction Type | Transfer |
| Record Updated | Oct 15, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 109 CLOVER ST, WORCESTER, MA 01603-1930 |
| Document Number | 137249 |
|---|---|
| Date | Sep 30, 2021 |
| Instrument | 137249 |
| Name | WEBSTER FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WORCESTER MA |
| Recording Date | Feb 1, 2019 |
| Property Address | 109 CLOVER ST, WORCESTER, MA 01603-1930 |
| Document Number | 60004-15 |
| Book / Page | 60004 / 15 |
| Instrument Date | Jan 31, 2019 |
| Instrument | 10003 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 11 JACLYN RAE DR, WORCESTER, MA |
| Document Number | 10004 |
|---|---|
| Date | Feb 1, 2019 |
| Instrument | 10004 |
| Name | I-C FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 109 Clover St was $4,882, up 3.2% from the year before.
Source: Worcester County and Worcester City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Worcester City |
| Unified School District | Worcester School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,882.00 (+3.19%) | $367,600 (+2.48%) Land $105,100 Building $262,500 | $432,738 (-1.34%) |
| 2025 | $4,731.00 | $358,700 Land $98,900 Building $259,800 | $438,615 (+11.98%) |
| 2024 | $391,685 | ||
| 2023 | $4,354.00 | $303,600 Land $86,000 Building $217,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Clover St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1996.
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 | 2 in force |
| Nearby Flood Claims | 5 (1996–2015) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Jul 2015 · other causes |
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 risk around 109 Clover St 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 96% of the US · lower than 92% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 365 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 |
| AT&T Fixed Wireless | 100 / 20 |
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