12 Oliver St, Worcester, MA 01603 Property Records

Worcester County and Worcester City property record for 12 Oliver St, Worcester, MA 01603

Property Summary

Property Type	Apartments (5+ Units)
Details	12 bd · 4 ba · 5,680 sqft · built 1920
Lot Size	0.152 acres (6,600 sqft)
Owner	2 Individual Names on File
Last Sale	$263,000 (Jul 2012)
Tax Bill	$11,323 (2026)
Deeds & Mortgages	May 2022 Refinance Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8-010-00048`

Property Details

APN / Parcel Number

Primary APN	`8-010-00048`
Alternative APN	`WORC M:08 B:010 L:00048`

Interior

Bedrooms	12 Beds
Full Baths	4 Baths
Total Rooms	27 Rooms
Units	4 Units
Stories	4 Stories
Building Area	5,680 sqft Living Area
Gross Area	7,576 sqft
1st Floor Area	1,420 sqft
Basement Area	1,539 sqft
Unfinished Basement	1,539 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,600 sqft (0.152 acres)

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	8-010-00048
Street Address	12 OLIVER ST
City	WORCESTER
State	MA
Zip	01603-2720
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	RG-5
Legal Block	10
Legal Lot Number	48
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	1
Census Block	1001
Census Tract	731203

Owner

12 Oliver St, a residential property, is owned and occupied by two individuals who bought it in July 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	12 OLIVER ST, WORCESTER, MA 01603-2720
Occupancy	Owner Occupied
Owner Type	Individual

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
May 23, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance MILLBURY CU
Oct 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage WORCESTER CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2012 · Amount on File
Deed Sale	Jul 6, 2012 · Amount on File
Deed Book / Page	49239 / 382
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	12 OLIVER ST, WORCESTER, MA 01603-2720
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067630-260
Date	May 23, 2022
Book Page	67630/260
Instrument	55875

Lender

Name	MILLBURY CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2037

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	12 OLIVER ST, WORCESTER, MA 01603-2720
Document Number	57963-283
Book / Page	057963 / 000283
Instrument Date	Oct 18, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	57963-283
Date	Oct 30, 2017
Book Page	057963/000283
Instrument	912

Lender

Name	WORCESTER CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 29, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 12 Oliver St was $11,323, up 2.6% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Worcester City
Unified School District	Worcester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$11,323.00 (+2.65%)	$852,600 (+1.95%) Land $89,500 Building $763,100
2025	$11,031.00	$836,300 Land $85,300 Building $751,000
2023	$10,054.00	$701,100 Land $46,500 Building $654,600

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

Flood

FEMA maps place 12 Oliver St 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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (2001–2005)
Most Recent Claim	Oct 2005 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Oct 2005 · 2 claims

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

The area around 12 Oliver St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 446 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
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile, Xfinity.

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