12 Orchard St, Upton, MA 01568 Property Records

Worcester County and Upton Town property record for 12 Orchard St, Upton, MA 01568

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 3,356 sqft · built 2009
Lot Size	1.89 acres (82,328 sqft)
Owner	2 Individual Names on File
Last Sale	$180,000 (Sep 2007)
Tax Bill	$11,929 (2026)
Deeds & Mortgages	Mar 2021 Line of Credit Oct 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M:010 B:L:002-04`

Property Details

APN / Parcel Number

Primary APN	`M:010 B:L:002-04`
Alternative APNs	`UPTO M:010 L:002.04` `351`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	3,356 sqft Living Area
Gross Area	7,664 sqft
1st Floor Area	1,780 sqft
Attic	Attic
Attic Area	192 sqft
Basement Area	2,044 sqft
Unfinished Basement	2,044 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	82,328 sqft (1.89 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	12 ORCHARD ST
City	UPTON
State	MA
Zip	01568-1585
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	5
Legal Lot Number	2.04
Jurisdiction	UPTON MA
Township / Civil Division	UPTON
Census Block Group	1
Census Block	1022
Census Tract	743100

Owner

12 Orchard St is owned and occupied by two individuals who bought it in September 2007.

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

Owner of Record	2 Individual Names on File
Mailing Address	12 ORCHARD ST, UPTON, MA 01568-1585
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
Mar 23, 2021	Deed of Trust, Mortgage · Line of Credit UNIBANK FOR SAVINGS
Oct 14, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DREW MORTGAGE ASSOCIATES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2007 · Amount on File
Deed Sale	Sep 7, 2007 · Amount on File
Deed Document Number	200711
Deed Book / Page	41770 / 368
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UPTON MA
Property Address	12 ORCHARD ST, UPTON, MA 01568-1585
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064743-349
Date	Mar 23, 2021
Book Page	64743/349
Instrument	39641

Lender

Name	UNIBANK FOR SAVINGS
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2041

Interest

Rate Type	Adjustable Rate

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UPTON MA
Property Address	12 ORCHARD ST, UPTON, MA 01568-1585
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066293-228
Date	Oct 14, 2021
Book Page	66293/228
Instrument	144390

Lender

Name	DREW MORTGAGE ASSOCIATES INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2041

Tax Assessment & Valuation

The 2026 property tax bill for 12 Orchard St was $11,929, up 0.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,929.00 (+0.68%)	$912,000 (+1.21%) Land $252,600 Building $659,400	$935,186 (+15.92%)
2025	$11,849.00 (+2.36%)	$901,100 (+6.49%) Land $252,600 Building $648,500	$806,740 (+8.03%)
2024	$11,576.00 (+28.18%)	$846,200 (+29.96%) Land $228,600 Building $617,600	$746,795
2023	$9,031.00	$651,100 Land $188,600 Building $462,500

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

Flood

FEMA maps place 12 Orchard 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	2 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 Orchard St is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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