Worcester County and Worcester City property record for 12 Caroline St, Worcester, MA 01604
| Property Type | Triplex |
|---|---|
| Details | 6 bd · 3 ba · 3,141 sqft · built 1910 |
| Lot Size | 0.115 acres (4,994 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $335,000 (Sep 2019) |
| Tax Bill | $8,884 (2026) |
| Deeds & Mortgages | Aug 2025 Line of Credit Sep 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-006-00009 |
| Primary APN | 18-006-00009 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 15 Rooms |
| Units | 3 Units |
| Stories | 3 Stories |
| Building Area | 3,141 sqft Living Area |
| Gross Area | 4,927 sqft |
| 1st Floor Area | 1,047 sqft |
| Basement Area | 1,209 sqft |
| Unfinished Basement | 1,209 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Brick |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 4,994 sqft (0.115 acres) |
| Garage Type | Basement |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Account Number | 18-006-00009 |
|---|---|
| Street Address | 12 CAROLINE ST |
| City | WORCESTER |
| State | MA |
| Zip | 01604-3883 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Local Zoning Code | RG-5 |
| Legal Block | 6 |
| Legal Lot Number | 9 |
| Jurisdiction | WORCESTER MA |
| Township / Civil Division | WORCESTER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 732302 |
Source: Worcester County and Worcester City records, as of October 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 | 12 CAROLINE ST, WORCESTER, MA 01604-3883 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 11, 2025 | Deed of Trust, Mortgage · Line of Credit ROCKLAND TRUST CO |
| Sep 24, 2019 | Quit Claim Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD |
| Jul 14, 2017 | Deed of Trust, Mortgage · FHA Mortgage FINANCE AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 24, 2019 · Amount on Record |
| Deed Sale | Sep 24, 2019 · Amount on Record |
| Deed Document Number | 201998937 |
| Deed Book / Page | 61105 / 210 |
| Prior Transfer Date | Sep 2, 2019 |
| Prior Transfer Doc | 61105-210 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 12 CAROLINE ST, WORCESTER, MA 01604-3883 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 072380-134 |
|---|---|
| Date | Aug 11, 2025 |
| Book Page | 72380/134 |
| Instrument | 67109 |
| Name | ROCKLAND TRUST CO |
|---|---|
| Type | Non-Lending Institution |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Sep 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WORCESTER MA |
| Recording Date | Sep 24, 2019 |
| Property Address | 12 CAROLINE ST, WORCESTER, MA 01604-3883 |
| Document Number | 61105-210 |
| Book / Page | 61105 / 210 |
| Instrument Date | Sep 2, 2019 |
| Instrument | 98937 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12 CAROLINE ST, WORCESTER, MA 01604-3883 |
| Document Number | 98938 |
|---|---|
| Date | Sep 24, 2019 |
| Instrument | 98938 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 12 CAROLINE ST, WORCESTER, MA 01604-3883 |
| Document Number | 57451-288 |
| Instrument Date | Jul 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2019 |
| Name | Verified Name |
|---|
| Document Number | 57451-288 |
|---|---|
| Date | Jul 21, 2017 |
| Book Page | 057451/000288 |
| Instrument | 77626 |
| Name | FINANCE AMERICA |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 960 Months |
| Due | Jul 20, 2097 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.51% |
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 |
|---|---|---|
| 2026 | $8,884.00 (+3.31%) | $669,000 (+2.62%) Land $102,700 Building $566,300 |
| 2025 | $8,599.00 (+12.7%) | $651,900 (+22.51%) Land $97,800 Building $554,100 |
| 2023 | $7,630.00 | $532,100 Land $85,000 Building $447,100 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 Claims | 3 (1983–1984) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Apr 1984 · tidal / storm surge |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 659 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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