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12 James Rd, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 12 James Rd, Sterling, MA 01564 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,518 sqft · built 1979
Lot Size4.04 acres (175,982 sqft)
OwnerIndividual Name on File
Last Sale$642,000 (Feb 2025)
Tax Bill$6,890 (2025)
Deeds & MortgagesApr 2023 Sale & Mortgage
Feb 2019 Refinance
Flood ZoneZone X (minimal risk)
APNSTER M:00113 L:00055

Property Details

APN / Parcel Number

Primary APNSTER M:00113 L:00055

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms9 Rooms
Stories2 Stories
Building Area1,518 sqft Living Area
Gross Area3,542 sqft

Exterior

Year BuiltBuilt 1979
Effective Year BuiltEffective 1979
Architectural StyleContemporary
Exterior MaterialWood Siding
Roof TypeGable
Roof MaterialAsphalt
Lot Area175,982 sqft (4.04 acres)

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil

Location & Zoning

Street Address12 JAMES RD
CitySTERLING
StateMA
Zip01564-1404
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Lot Number55
JurisdictionSTERLING MA
Township / Civil DivisionSTERLING
Census Block Group4
Census Block4004
Census Tract719100

Owner

Source: Worcester County and Sterling Town records · APN STER M:00113 L:00055

Assessment roll updated April 14, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address12 JAMES RD, STERLING, MA 01564-1404
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

DateDocument
Apr 26, 2023Quit Claim Deed, Transfer · Stand-Alone First Mortgage
LEOMINSTER CU
Feb 26, 2019Deed of Trust, Mortgage · Stand-Alone Refinance
DISCOVER BANK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleFeb 28, 2025 · Amount on Record
Deed SaleFeb 28, 2025 · Amount on Record
Prior SaleApr 26, 2023 · Amount on Record
Deed Book / Page71686 / 319
Record UpdatedSep 20, 2026

April 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSTERLING MA
Recording DateApr 26, 2023
Property Address12 JAMES RD, STERLING, MA 01564-1404
Document Number069060-291
Book / Page69060 / 291
Instrument DateApr 26, 2023
Instrument31540
Transaction TypeTransfer
Record UpdatedMay 12, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address12 JAMES RD, STERLING, MA 01564-1404

Mortgage

Document Number0000031541
DateApr 26, 2023
Instrument31541
Lender
NameLEOMINSTER CU
TypeCredit Union
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Rate5.25%
Type Change DateMay 01, 2033
Max Rate At Change2.75%
Index5-Year CMT

February 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSTERLING MA
Property Address12 JAMES RD, STERLING, MA 01564-1404
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number60084-173
DateFeb 26, 2019
Book Page60084/173
Instrument17026
Lender
NameDISCOVER BANK
TypeBank
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term241 Months
DueMar 01, 2039

Tax Assessment & Valuation

Source: Worcester County and Sterling Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyWorcester County
County SubdivisionSterling Town
Unified School DistrictWachusett School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$6,890.00 (-0.68%)$534,900 (+2.63%) Land $194,100 Building $340,800$607,145 (+9.96%)
2024$6,937.00 (+6.1%)$521,200 (+14%) Land $188,000 Building $333,200$552,140
2023$6,538.00$457,200 Land $179,900 Building $277,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277191004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies3 in force
Nearby Flood Claims1 (2026)
Claims Outside the SFHA1 of 1
Most Recent ClaimMar 2026, rainfall accumulation

Wildfire

Wildfire RiskLow
above 20% of the US · above 58% of Massachusetts
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 77 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable1,200 / 35
VerizonFixed Wireless300 / 20

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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