119 Sterling St, Lancaster, MA 01523 Property Records

Worcester County and Lancaster Town property record for 119 Sterling St, Lancaster, MA 01523

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,872 sqft · built 1994
Lot Size	1.44 acres (62,726 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Jun 2022)
Tax Bill	$8,841 (2025)
Deeds & Mortgages	May 2025 Line of Credit Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`LANC M:045.0 B:0000 L:0002.B`

Property Details

APN / Parcel Number

Primary APN	`LANC M:045.0 B:0000 L:0002.B`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,872 sqft Living Area
1st Floor Area	936 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1999
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	62,726 sqft (1.44 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	119 STERLING ST
City	LANCASTER
State	MA
Zip	01523-1948
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	2.B
Jurisdiction	LANCASTER MA
Township / Civil Division	LANCASTER
Census Block Group	2
Census Block	2033
Census Tract	713100

Owner

119 Sterling St is owned and occupied by two individuals who bought it in June 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	119 STERLING ST, LANCASTER, MA 01523-1948
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.

Deeds, Mortgages & Sale History

Date	Document
May 15, 2025	Deed of Trust, Mortgage · Line of Credit BAY STATE SAVINGS BANK
Jun 10, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BAY STATE SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2022 · Amount on File
Deed Sale	Jun 10, 2022 · Amount on File
Prior Sale	Dec 13, 1994 · Amount on File
Deed Book / Page	67729 / 108
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER MA
Property Address	119 STERLING ST, LANCASTER, MA 01523-1948
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071988-375
Date	May 15, 2025
Book Page	71988/375
Instrument	38487

Lender

Name	BAY STATE SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2045

Interest

Rate Type	Adjustable Rate

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LANCASTER MA
Recording Date	Jun 10, 2022
Property Address	119 STERLING ST, LANCASTER, MA 01523-1948
Document Number	067729-108
Book / Page	67729 / 108
Instrument Date	Jun 10, 2022
Instrument	63361
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	119 STERLING ST, LANCASTER, MA 01523-1948

Mortgage

Document Number	0000063362
Date	Jun 10, 2022
Instrument	63362

Lender

Name	BAY STATE SAVINGS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 119 Sterling St was $8,841.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,841.00	$547,100 Land $115,000 Building $432,100	$569,810 (+15.86%)
2024			$491,815
2023	$8,119.00	$472,300 Land $95,600 Building $376,700

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

Flood

FEMA maps place 119 Sterling St in Zone X, an area of minimal flood risk, though there have been 9 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
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	9 (1978–2010)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims

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 119 Sterling 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	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	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

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 140 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

May also be available: T-Mobile.

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