11 Central Ave, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 11 Central Ave, Sterling, MA 01564

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,476 sqft · built 2021
Lot Size	0.075 acres (3,248 sqft)
Owner	Trust Name on Record
Last Sale	$80,000 (Feb 2021)
Tax Bill	$4,932 (2026)
Deeds & Mortgages	Jun 2022 Mortgage Feb 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`10026`

Property Details

APN / Parcel Number

Primary APN	`10026`
Alternative APN	`STER M:00175 L:00026`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,476 sqft Living Area
Gross Area	2,196 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,248 sqft (0.075 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	10026
Street Address	11 CENTRAL AVE
City	STERLING
State	MA
Zip	01564-1440
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR
Legal Lot Number	26
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	4
Census Block	4043
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	Trust Name on Record
Mailing Address	11 CENTRAL AVE, STERLING, MA 01564-1440
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2022	Deed of Trust, Mortgage · ARM LEOMINSTER CU
Feb 12, 2021	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2021 · Amount on Record
Deed Sale	Feb 12, 2021 · Amount on Record
Prior Sale	Sep 28, 2007
Deed Document Number	2021151
Deed Book / Page	64455 / 92
Prior Transfer Date	Dec 7, 2020
Prior Transfer Doc	64455-92
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	11 CENTRAL AVE, STERLING, MA 01564-1440
Transaction Type	Mortgage
Record Updated	Jul 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067811-368
Date	Jun 27, 2022
Book Page	67811/368
Instrument	69730

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.88%
Type Change Date	Jul 1, 2032
Index	Other

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	Feb 12, 2021
Property Address	11 CENTRAL AVE, STERLING, MA 01564-1440
Document Number	64455-92
Book / Page	64455 / 92
Instrument Date	Dec 7, 2020
Instrument	21151
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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
Address	11 CENTRAL AVE, STERLING, MA 01564-1440

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	$4,932.00 (+1.46%)	$393,000 (+4.13%) Land $47,000 Building $346,000	$399,950 (-)
2025	$4,861.00 (+3.03%)	$377,400 (+6.46%) Land $31,800 Building $345,600	$399,950 (+14.06%)
2024	$4,718.00 (+11.01%)	$354,500 (+19.28%) Land $31,800 Building $322,700	$350,645
2023	$4,250.00	$297,200 Land $31,800 Building $265,400

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	3 in force
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2026 · 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

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	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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