11 Gates Cir, Worcester, MA 01603 Property Records

Worcester County and Worcester City property record for 11 Gates Cir, Worcester, MA 01603

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,632 sqft · built 1998
Lot Size	0.386 acres (16,800 sqft)
Owner	Individual Name on Record
Last Sale	$232,000 (Mar 2017)
Tax Bill	$5,232 (2025)
Deeds & Mortgages	Nov 2020 Refinance Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`42-038-0011A`

Property Details

APN / Parcel Number

Primary APN	`42-038-0011A`
Alternative APN	`WORC M:42 B:038 L:0011A`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,632 sqft Living Area
Gross Area	2,544 sqft
1st Floor Area	816 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	16,800 sqft (0.386 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	42-038-0011A
Street Address	11 GATES CIR
City	WORCESTER
State	MA
Zip	01603-1836
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL-7
Legal Subdivision	LAND WORCESTER
Legal Block	38
Legal Lot Number	11A
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3002
Census Tract	731002

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	11 GATES CIR, WORCESTER, MA 01603-1836
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HOME POINT FINANCIAL CORPORATION
Mar 28, 2017	Quit Claim Deed, Transfer · FHA Mortgage HOME POINT FINL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 28, 2017 · Amount on Record
Deed Sale	Mar 28, 2017 · Amount on Record
Prior Sale	Jun 20, 2002 · Amount on Record
Deed Book / Page	56900 / 81
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	11 GATES CIR, WORCESTER, MA 01603-1836
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63857-211
Date	Nov 30, 2020
Book Page	63857/211
Instrument	146596

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Mar 28, 2017
Property Address	11 GATES CIR, WORCESTER, MA 01603-1836
Document Number	56900-81
Book / Page	56900 / 81
Instrument	30691
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$39.28
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	569000083
Date	Mar 28, 2017
Instrument	56900/0083

Lender

Name	HOME POINT FINL CORP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 28, 2047

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
2025	$5,232.00 (+5.42%)	$396,700 (+14.62%) Land $98,900 Building $297,800	$424,080 (+3.96%)
2024			$407,930
2023	$4,963.00	$346,100 Land $86,000 Building $260,100

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	1 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	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 501 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

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

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