112 Cedar Rd, Holden, MA 01520 Property Records

Worcester County and Holden Town property record for 112 Cedar Rd, Holden, MA 01520

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,560 sqft · built 1977
Lot Size	0.257 acres (11,185 sqft)
Owner	Individual Name on File
Last Sale	$282,300 (Jul 2014)
Tax Bill	$6,550 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Jan 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HOLD M:245 B:28`

Property Details

APN / Parcel Number

Primary APN	`HOLD M:245 B:28`
Alternative APNs	`M:00245 P:00028` `6060`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,560 sqft Living Area
Gross Area	3,152 sqft
1st Floor Area	840 sqft
Basement Area	840 sqft
Unfinished Basement	291 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,185 sqft (0.257 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	6060
Street Address	112 CEDAR RD
City	HOLDEN
State	MA
Zip	01520-1703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Block	28
Jurisdiction	HOLDEN MA
Township / Civil Division	HOLDEN
Census Block Group	4
Census Block	4010
Census Tract	728200

Owner

112 Cedar Rd is owned and occupied by an individual who bought it in July 2014.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	112 CEDAR RD, HOLDEN, MA 01520-1703
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2026	Deed of Trust, Mortgage · Second Mortgage (Down Payment) DIGITAL FEDERAL CREDIT UNION
Jan 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Apr 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance UNION SAVINGS BANK OF CT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2014 · Amount on File
Deed Sale	Jul 15, 2014 · Amount on File
Prior Sale	May 31, 2007 · Amount on File
Deed Book / Page	52554 / 109
Transfer Doc	052554-109
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Recording Date	Sep 29, 2026
Property Address	112 CEDAR RD, HOLDEN, MA 01520-1703
Document Number	0000085124
Book / Page	74229 / 1
Instrument Date	Sep 21, 2026
Instrument	202685124
Transaction Type	Mortgage
Record Updated	Oct 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 CEDAR RD, HOLDEN, MA 01520-1703

Mortgage

Document Number	0000085124,
Date	Sep 29, 2026
Book Page	74229/1
Instrument	202685124

Lender

Name	DIGITAL FEDERAL CREDIT UNION

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	120 Months
Due	Oct 1, 2036

Interest

Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	112 CEDAR RD, HOLDEN, MA 01520-1703
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0064306-16
Date	Jan 25, 2021
Book Page	64306/16
Instrument	10966

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2036

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	112 CEDAR RD, HOLDEN, MA 01520-1703
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62223-170
Date	Apr 17, 2020
Book Page	62223/170
Instrument	38502

Lender

Name	UNION SAVINGS BANK OF CT

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	May 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 112 Cedar Rd was $6,550, up 2.6% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Holden Town
Unified School District	Wachusett School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,550.00 (+2.55%)	$485,900 (+5.45%) Land $166,900 Building $319,000	$498,258 (+0.02%)
2025	$6,387.00 (+5.55%)	$460,800 (+7.76%) Land $158,900 Building $301,900	$498,180
2024	$6,051.00 (+6.25%)	$427,600 (+12.56%) Land $154,300 Building $273,300
2023	$5,695.00	$379,900 Land $134,100 Building $245,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 112 Cedar Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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	2 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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

Wildfire risk around 112 Cedar 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	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	HOLDEN WATER DIVISION, DPW serves 18,016 people · EPA ID MA2134000
Water Source	Purchased surface water from WORCESTER DPWP, WATER SUPPLY DIVISION
Last State Inspection	Nov 2024
Lead	3 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 386 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Netafy.

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