12 N Row Rd, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 12 N Row Rd, Sterling, MA 01564

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,496 sqft · built 1985
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Aug 2023)
Tax Bill	$7,339 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Aug 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`STER M:00030 L:00003`

Property Details

APN / Parcel Number

Primary APN	`STER M:00030 L:00003`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,496 sqft Living Area
Gross Area	4,579 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,996 sqft (1.01 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	12 N ROW RD
City	STERLING
State	MA
Zip	01564-2240
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RRF
Legal Lot Number	3
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	2
Census Block	2027
Census Tract	719100

Owner

12 N Row Rd is owned and occupied by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	12 N ROW RD, STERLING, MA 01564-2240
Occupancy	Owner Occupied
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
Aug 31, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUILD MORTGAGE CO
Aug 14, 2019	Deed of Trust, Mortgage · Line of Credit SANTANDER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2023 · Amount on File
Deed Sale	Aug 31, 2023 · Amount on File
Prior Sale	Dec 1, 1992 · Amount on File
Deed Document Number	202372508
Deed Book / Page	69590 / 176
Record Updated	Oct 29, 2026

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	Aug 31, 2023
Property Address	12 N ROW RD, STERLING, MA 01564-2240
Document Number	069590-176
Book / Page	69590 / 176
Instrument Date	Aug 31, 2023
Instrument	72508
Transaction Type	Transfer
Record Updated	Sep 15, 2023

Transaction

Amount	Amount 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	12 N ROW RD, STERLING, MA 01564-2240

Mortgage

Document Number	0000072509
Date	Aug 31, 2023
Instrument	72509

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	12 N ROW RD, STERLING, MA 01564-2240
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60875-282
Date	Aug 14, 2019
Book Page	60875/282
Instrument	80899

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 12 N Row Rd was $7,339, up 2.4% 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	Assessed Market Value
2026	$7,339.00 (+2.37%)	$584,800 (+5.07%) Land $149,600 Building $435,200	$562,970 (-)
2025	$7,169.00 (+1.86%)	$556,600 (+5.26%) Land $129,500 Building $427,100	$562,970 (+9.68%)
2024	$7,038.00 (+3.96%)	$528,800 (+11.7%) Land $129,500 Building $399,300	$513,285
2023	$6,770.00	$473,400 Land $129,500 Building $343,900

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

Flood

FEMA maps place 12 N Row Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 12 N Row 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.

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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on N Row Rd

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