12 Main St, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 12 Main St, Sterling, MA 01564

Property Summary

Property Type	Apartments (5+ Units)
Details	5 bd · 4 ba · 4,295 sqft · built 1778
Lot Size	0.67 acres (29,200 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Apr 2023)
Tax Bill	$6,800 (2026)
Deeds & Mortgages	Feb 2025 Mortgage Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`STER M:00093 L:00055`

Property Details

APN / Parcel Number

Primary APN	`STER M:00093 L:00055`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	16 Rooms
Units	4 Units
Stories	2 Stories
Building Area	4,295 sqft Living Area
Gross Area	7,863 sqft
Basement Area	1,800 sqft
Unfinished Basement	1,800 sqft

Exterior

Year Built	Built 1778
Effective Year Built	Effective 1778
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	29,200 sqft (0.67 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	12 MAIN ST
City	STERLING
State	MA
Zip	01564-1439
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	NR
Legal Subdivision	MARIANNE WILDER
Legal Lot Number	55
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	3
Census Block	3003
Census Tract	719100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Sterling Center Historic District listed 1988 · 111 contributing resources · NRIS 88000425

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

12 Main St, a residential property, is owned by two individuals who bought it in April 2023.

Source: Worcester County and Sterling Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	107 PROSPECT ST, WEST BOYLSTON, MA 01583-1323
Owner Type	Individual
Vesting	Husband and Wife

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
Feb 28, 2025	Deed of Trust, Mortgage · ARM MIDDLESEX SAVINGS BANK
Apr 4, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MIDDLESEX SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2023 · Amount on File
Deed Sale	Apr 4, 2023 · Amount on File
Prior Sale	Nov 18, 2002 · Amount on File
Deed Book / Page	68986 / 28
Record Updated	Oct 29, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	12 MAIN ST, STERLING, MA 01564-1439
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071689-198
Date	Feb 28, 2025
Book Page	71689/198
Instrument	16008

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Mar 1, 2030

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	Apr 4, 2023
Property Address	12 MAIN ST, STERLING, MA 01564-1439
Document Number	0068986-28
Book / Page	68986 / 28
Instrument Date	Apr 4, 2023
Instrument	25843
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	107 PROSPECT ST, WEST BOYLSTON, MA 01583-1323

Mortgage

Document Number	0000025844
Date	Apr 4, 2023
Instrument	25844

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 12 Main St was $6,800, up 13.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$6,800.00 (+13.69%)	$541,800 (+16.67%) Land $126,800 Building $415,000
2025	$5,981.00 (-0.3%)	$464,400 (+3.04%) Land $109,900 Building $354,500
2024	$5,999.00 (+16.92%)	$450,700 (+25.61%) Land $109,900 Building $340,800
2023	$5,131.00	$358,800 Land $111,100 Building $247,700

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 12 Main St in Zone X, an area of minimal flood risk.

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	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.

Wildfire

Wildfire risk around 12 Main 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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	STERLING WATER DEPARTMENT serves 6,814 people · EPA ID MA2282000
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	9 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Feb 2024
Monitoring and Reporting	1 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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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