Worcester County and Lancaster Town property record for 119 Mill St, Lancaster, MA 01523
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,592 sqft · built 1986 |
| Lot Size | 0.91 acres (39,640 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,257 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Apr 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | LANC M:042.0 B:0000 L:0105.0 |
| Primary APN | LANC M:042.0 B:0000 L:0105.0 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,592 sqft Living Area |
| 1st Floor Area | 1,592 sqft |
| Basement Area | 1,592 sqft |
| Unfinished Basement | 1,292 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 39,640 sqft (0.91 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 119 MILL ST |
|---|---|
| City | LANCASTER |
| State | MA |
| Zip | 01523-2041 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | 105.0 |
| Jurisdiction | LANCASTER MA |
| Township / Civil Division | LANCASTER |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 713100 |
119 Mill St is owned and occupied by two individuals.
Source: Worcester County and Lancaster Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 119 MILL ST, LANCASTER, MA 01523-2041 |
| 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 |
|---|---|
| Oct 1, 2025 | Deed of Trust, Mortgage · Line of Credit BAY STATE SAVINGS BANK |
| Apr 20, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance DREW MORTGAGE ASSOCIATES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 119 MILL ST, LANCASTER, MA 01523 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2025 |
| Name | Verified Name |
|---|
| Document Number | 072620-183 |
|---|---|
| Date | Oct 1, 2025 |
| Book Page | 72620/183 |
| Instrument | 84815 |
| Name | BAY STATE SAVINGS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Nov 1, 2045 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 119 MILL STREET EXT, LANCASTER, MA 01523-2003 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2021 |
| Title Company | METROPOLITAN TITLE CORPORATION, METROPOLITAN TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 64962-205 |
|---|---|
| Date | Apr 20, 2021 |
| Book Page | 64962/205 |
| Instrument | 53479 |
| Name | DREW MORTGAGE ASSOCIATES INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | May 1, 2041 |
The 2025 property tax bill for 119 Mill St was $7,257.
Source: Worcester County and Lancaster Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Lancaster Town |
| Unified School District | Nashoba School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,257.00 | $449,100 Land $118,000 Building $331,100 | $512,430 (+20.4%) |
| 2024 | $425,600 | ||
| 2023 | $6,838.00 | $397,800 Land $99,800 Building $298,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 119 Mill St in Zone X, an area of minimal flood risk, though there have been 27 flood claims nearby since 1978.
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 | 27 (1978–2010) |
| Claims Outside the SFHA | 4 of 27 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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 119 Mill St 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 | LANCASTER WATER DEPARTMENT serves 6,000 people · EPA ID MA2147000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2026 |
| Lead | 17 ppb (2024–2026) 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.
Source: FCC Broadband Data Collection, based on 243 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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