Worcester County and Sutton Town property record for 12 Clover Hill Rd, Sutton, MA 01590
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,772 sqft · built 1991 |
| Lot Size | 0.53 acres (23,088 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $143,800 (Aug 1991) |
| Tax Bill | $8,028 (2026) |
| Deeds & Mortgages | May 2021 Refinance Aug 2019 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SUTT M:0052 P:24 |
| Primary APN | SUTT M:0052 P:24 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,772 sqft Living Area |
| Gross Area | 4,884 sqft |
| 1st Floor Area | 1,072 sqft |
| Basement Area | 882 sqft |
| Unfinished Basement | 882 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 23,088 sqft (0.53 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 12 CLOVER HILL RD |
|---|---|
| City | SUTTON |
| State | MA |
| Zip | 01590-2729 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Jurisdiction | SUTTON MA |
| Township / Civil Division | SUTTON |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 751101 |
12 Clover Hill Rd is owner-occupied and held in a trust since July 2025.
Source: Worcester County and Sutton Town records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 12 CLOVER HILL RD, SUTTON, MA 01590-2729 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
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 5, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP |
| Aug 1, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance UMASS/FIVE COLLEGE FEDERAL CREDIT UNION |
| Jun 1, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 20, 1991 · Amount on File |
| Deed Sale | Aug 20, 1991 · Amount on File |
| Last Transfer Date | Jul 18, 2025 |
| Transfer Doc | 0072379-35 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUTTON MA |
| Property Address | 12 CLOVER HILL RD, SUTTON, MA 01590-2729 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 65096-363 |
|---|---|
| Date | May 5, 2021 |
| Book Page | 65096/363 |
| Instrument | 62106 |
| Name | AMERISAVE MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jun 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUTTON MA |
| Property Address | 12 CLOVER HILL RD, SUTTON, MA 01590-2729 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 60812-255 |
|---|---|
| Date | Aug 1, 2019 |
| Book Page | 60812/255 |
| Instrument | 75953 |
| Name | UMASS/FIVE COLLEGE FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUTTON MA |
| Property Address | 12 CLOVER HILL RD, SUTTON, MA 01590-2729 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 62500-334 |
|---|---|
| Date | Jun 1, 2020 |
| Book Page | 62500/334 |
| Instrument | 56079 |
| Name | AMERISAVE MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2035 |
The 2026 property tax bill for 12 Clover Hill Rd was $8,028, down 1.7% from the year before.
Source: Worcester County and Sutton Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Sutton Town |
| Unified School District | Sutton School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,028.00 (-1.73%) | $695,100 (+2.28%) Land $175,800 Building $519,300 | $667,975 (+4.4%) |
| 2025 | $8,169.00 (-0.72%) | $679,600 (+4.73%) Land $161,800 Building $517,800 | $639,825 |
| 2024 | $8,228.00 (+5.24%) | $648,900 (+14.95%) Land $154,400 Building $494,500 | |
| 2023 | $7,818.00 | $564,500 Land $139,600 Building $424,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Clover Hill Rd in Zone X, an area of minimal flood risk, though there have been 4 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 | 4 (1978–2011) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| 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 12 Clover Hill 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | WHITINSVILLE WATER COMPANY private · serves 7,899 people · EPA ID MA2216000 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Treatment failure resolved · Jun 2018 |
|---|---|
| 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 108 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 |
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