Worcester County and Worcester City property record for 12 Germain St, Worcester, MA 01602
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,890 sqft · built 1895 |
| Lot Size | 0.215 acres (9,375 sqft) |
| Owner | Individual Name on File |
| Last Sale | $375,000 (Nov 2003) |
| Tax Bill | $8,322 (2025) |
| Deeds & Mortgages | Nov 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-008-00002 |
| Primary APN | 11-008-00002 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 3 Stories |
| Building Area | 3,890 sqft Living Area |
| Gross Area | 6,991 sqft |
| 1st Floor Area | 1,570 sqft |
| Basement Area | 269 sqft |
| Unfinished Basement | 269 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1895 |
|---|---|
| Effective Year Built | Effective 1895 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Brick |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 9,375 sqft (0.215 acres) |
| Garage Type | Basement |
| Deck Area | Deck Area |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Account Number | 11-008-00002 |
|---|---|
| Street Address | 12 GERMAIN ST |
| City | WORCESTER |
| State | MA |
| Zip | 01602-2105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-7 |
| Legal Subdivision | PLAN 02 |
| Legal Block | 8 |
| Legal Lot Number | 2 |
| Jurisdiction | WORCESTER MA |
| Township / Civil Division | WORCESTER |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 730802 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Hammond Heights listed 1980 · 79 contributing resources · NRIS 80000531 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Worcester County and Worcester City assessment roll, as of April 14, 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 File |
|---|---|
| Mailing Address | 12 GERMAIN ST, WORCESTER, MA 01602-2105 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 14, 2003 · Amount on Record |
| Deed Sale | Nov 14, 2003 · Amount on Record |
| Deed Document Number | 2003301685 |
| Deed Book / Page | 32234 / 81 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 12 GERMAIN ST, WORCESTER, MA 01602-2105 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 63644-332 |
|---|---|
| Date | Nov 2, 2020 |
| Book Page | 63644/332 |
| Instrument | 132040 |
| Name | HOME LOAN AND INVESTMENT BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2035 |
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 |
|---|---|---|---|
| 2025 | $8,322.00 (+8.71%) | $630,900 (+18.19%) Land $118,500 Building $512,400 | $733,495 (+13.18%) |
| 2024 | $648,090 | ||
| 2023 | $7,655.00 | $533,800 Land $103,000 Building $430,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
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 | Low lower than 99.1% of the US · lower than 98.7% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 348 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 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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