Worcester County and Sterling Town property record for 11 Cole Rd, Sterling, MA 01564
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,856 sqft · built 2000 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $394,000 (Jan 2004) |
| Tax Bill | $7,029 (2026) |
| Deeds & Mortgages | Aug 2025 Line of Credit Aug 2025 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | STER M:00009 L:00017 |
| Primary APN | STER M:00009 L:00017 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,856 sqft Living Area |
| Gross Area | 3,606 sqft |
| Basement Area | 912 sqft |
| Unfinished Basement | 912 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,068 sqft (0.3 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 11 COLE RD |
|---|---|
| City | STERLING |
| State | MA |
| Zip | 01564-2236 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RRF |
| Legal Lot Number | 17 |
| Jurisdiction | STERLING MA |
| Township / Civil Division | STERLING |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 719100 |
11 Cole Rd is owned and occupied by two individuals who bought it in January 2004.
Source: Worcester County and Sterling Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11 COLE RD, STERLING, MA 01564-2236 |
| 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 |
|---|---|
| Aug 12, 2025 | Deed of Trust, Mortgage · Line of Credit SHREWSBURY MUNICIPLE EMPLOYEE FED CR UN |
| Aug 12, 2025 | Deed of Trust, Mortgage · Line of Credit SHREWSBURY MUNICIPLE EMPLOYEE FED CR UN |
| Jan 5, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 30, 2004 · Amount on File |
| Deed Sale | Jan 30, 2004 · Amount on File |
| Deed Document Number | 200415475 |
| Deed Book / Page | 32738 / 80 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STERLING MA |
| Property Address | 11 COLE RD, STERLING, MA 01564-2236 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 011040-103 |
|---|---|
| Date | Aug 12, 2025 |
| Book Page | 11040/103 |
| Instrument | 10636 |
| Name | SHREWSBURY MUNICIPLE EMPLOYEE FED CR UN |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STERLING MA |
| Property Address | 11 COLE RD, STERLING, MA 01564-2236 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 072386-243 |
|---|---|
| Date | Aug 12, 2025 |
| Book Page | 72386/243 |
| Instrument | 67587 |
| Name | SHREWSBURY MUNICIPLE EMPLOYEE FED CR UN |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STERLING MA |
| Property Address | 11 COLE RD, STERLING, MA 01564-2236 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0066895-35 |
|---|---|
| Date | Jan 5, 2022 |
| Book Page | 66895/35 |
| Instrument | 1654 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Feb 1, 2042 |
The 2026 property tax bill for 11 Cole Rd was $7,029, up 1.9% from the year before.
Source: Worcester County and Sterling Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Sterling Town |
| Unified School District | Wachusett School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,029.00 (+1.85%) | $560,100 (+4.54%) Land $146,000 Building $414,100 | $661,960 (-) |
| 2025 | $6,901.00 (+2.65%) | $535,800 (+6.08%) Land $126,400 Building $409,400 | $661,960 (+0.84%) |
| 2024 | $6,723.00 (+5.62%) | $505,100 (+13.48%) Land $122,200 Building $382,900 | $656,450 |
| 2023 | $6,365.00 | $445,100 Land $115,900 Building $329,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11 Cole Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 11 Cole Rd 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 119 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 1,200 / 35 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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