11 Clay St, Worcester, MA 01610 Property Records

Worcester County and Worcester City property record for 11 Clay St, Worcester, MA 01610

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,593 sqft · built 1905
Lot Size	0.207 acres (9,000 sqft)
Owner	Company Name on Record
Last Sale	$226,000 (Mar 2018)
Tax Bill	$4,639 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-009-00011`

Property Details

APN / Parcel Number

Primary APN	`26-009-00011`
Alternative APN	`WORC M:26 B:009 L:00011`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,593 sqft Living Area
Gross Area	3,510 sqft
1st Floor Area	891 sqft
Attic	Attic
Attic Area	702 sqft
Basement Area	1,053 sqft
Unfinished Basement	1,053 sqft

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	9,000 sqft (0.207 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Steam

Location & Zoning

Account Number	26-009-00011
Street Address	11 CLAY ST
City	WORCESTER
State	MA
Zip	01610-2921
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL-7
Legal Block	9
Legal Lot Number	11
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	4
Census Block	4008
Census Tract	732901

Owner

Source: Worcester County and Worcester City records, as of October 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	100 STATE ST, BOSTON, MA 02109-2403
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2026	Deed of Trust, Mortgage DEDHAM INSTITUTION FOR SAVINGS
Mar 29, 2018	Quit Claim Deed, Transfer DEDHAM INSTITUTION FOR SAVINGS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2018 · Amount on Record
Deed Sale	Mar 29, 2018 · Amount on Record
Deed Document Number	201828862
Deed Book / Page	58596 / 144
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Recording Date	Sep 30, 2026
Property Address	11 CLAY ST, WORCESTER, MA 01610-2921
Document Number	0000086229
Book / Page	74246 / 49
Instrument Date	Sep 30, 2026
Instrument	202686229
Transaction Type	Mortgage
Record Updated	Oct 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000086229,
Date	Sep 30, 2026
Book Page	74246/49
Instrument	202686229

Lender

Name	DEDHAM INSTITUTION FOR SAVINGS

Agreement

Amount	Amount Recorded
Term	360 Months

Interest

Max Rate	-1%

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Mar 29, 2018
Property Address	11 CLAY ST, WORCESTER, MA 01610-2921
Document Number	58596-144
Book / Page	58596 / 144
Instrument	28862
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$33.87
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 CLAY ST, WORCESTER, MA 01610-2921

Mortgage

Document Number	585960146
Date	Mar 29, 2018
Instrument	58596/0146

Lender

Name	DEDHAM INSTITUTION FOR SAVINGS
Type	Funding / Finance Company

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,639.00 (+3.25%)	$349,300 (+2.55%) Land $104,300 Building $245,000	$393,467 (+6.53%)
2025	$4,493.00 (+8.76%)	$340,600 (+18.22%) Land $98,200 Building $242,400	$369,360 (-1.84%)
2024			$376,295
2023	$4,131.00	$288,100 Land $85,400 Building $202,700

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 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	Not rated no burnable land within ember reach

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	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

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 182 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: AT&T, T-Mobile.

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