Worcester County and Worcester City property record for 115 Clover St, Worcester, MA 01603
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 3 ba · 1,760 sqft · built 1910 |
| Lot Size | 0.427 acres (18,604 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $380,000 (Sep 2022) |
| Tax Bill | $6,973 (2026) |
| Deeds & Mortgages | May 2025 Mortgage May 2024 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-008-00010 |
| Primary APN | 27-008-00010 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,760 sqft Living Area |
| Gross Area | 3,085 sqft |
| 1st Floor Area | 1,010 sqft |
| Basement Area | 828 sqft |
| Unfinished Basement | 690 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,604 sqft (0.427 acres) |
| Garage Type | Basement |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 27-008-00010 |
|---|---|
| Street Address | 115 CLOVER ST |
| City | WORCESTER |
| State | MA |
| Zip | 01603-1930 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | RS-7 |
| Legal Block | 8 |
| Legal Lot Number | 10 |
| Jurisdiction | WORCESTER MA |
| Township / Civil Division | WORCESTER |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 733101 |
115 Clover St, a duplex, is owned and occupied by two individuals who bought it in September 2022.
Source: Worcester County and Worcester City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 115 CLOVER ST, WORCESTER, MA 01603-1930 |
| 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 |
|---|---|
| May 23, 2025 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| May 16, 2024 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Sep 27, 2022 | Quit Claim Deed, Transfer · FHA Mortgage SEACOAST MORTGAGE CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 27, 2022 · Amount on File |
| Deed Sale | Sep 27, 2022 · Amount on File |
| Prior Sale | Jul 12, 2013 · Amount on File |
| Deed Book / Page | 68270 / 46 |
| Prior Transfer Date | Sep 23, 2022 |
| Prior Transfer Doc | 0068270-46 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 115 CLOVER ST, WORCESTER, MA 01603-1930 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 072021-315 |
|---|---|
| Date | May 23, 2025 |
| Book Page | 72021/315 |
| Instrument | 40885 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 325 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 115 CLOVER ST, WORCESTER, MA 01603-1930 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0070515-78 |
|---|---|
| Date | May 16, 2024 |
| Book Page | 70515/78 |
| Instrument | 36378 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 337 Months |
| Due | Jun 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WORCESTER MA |
| Recording Date | Sep 27, 2022 |
| Property Address | 115 CLOVER ST, WORCESTER, MA 01603-1930 |
| Document Number | 0068270-46 |
| Book / Page | 68270 / 46 |
| Instrument Date | Sep 23, 2022 |
| Instrument | 105674 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Venture |
| Address | 115 CLOVER ST, WORCESTER, MA 01603-1930 |
| Document Number | 0000105675 |
|---|---|
| Date | Sep 27, 2022 |
| Instrument | 105675 |
| Name | SEACOAST MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 115 Clover St was $6,973, up 5.5% from the year before.
Source: Worcester County and Worcester City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Worcester City |
| Unified School District | Worcester School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,973.00 (+5.48%) | $525,100 (+4.77%) Land $105,200 Building $419,900 | $457,359 |
| 2025 | $6,611.00 | $501,200 Land $99,000 Building $402,200 | |
| 2023 | $5,934.00 | $413,800 Land $86,100 Building $327,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 115 Clover St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1996.
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 | 2 in force |
| Nearby Flood Claims | 5 (1996–2015) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Jul 2015 · other causes |
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 risk around 115 Clover St is low, with less than 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 96% of the US · lower than 92% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 365 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 |
| AT&T Fixed Wireless | 100 / 20 |
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