Worcester County and Upton Town property record for 12 Pearl St, Upton, MA 01568 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,516 sqft · built 1960 |
| Lot Size | 1.65 acres (71,874 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $445,000 (May 2018) |
| Tax Bill | $7,355 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Jan 2018 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | UPTO M:021 L:063 |
| Primary APN | UPTO M:021 L:063 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 2,516 sqft Living Area |
| Gross Area | 4,646 sqft |
| 1st Floor Area | 1,436 sqft |
| Basement Area | 1,040 sqft |
| Unfinished Basement | 860 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 71,874 sqft (1.65 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 12 PEARL ST |
|---|---|
| City | UPTON |
| State | MA |
| Zip | 01568-1204 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | 63 |
| Jurisdiction | UPTON MA |
| Township / Civil Division | UPTON |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 743100 |
Source: Worcester County and Upton Town records · APN UPTO M:021 L:063
Assessment roll updated April 14, 2026 · Last verified July 2026
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| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12 PEARL ST, UPTON, MA 01568-1204 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 30, 2022 | Deed of Trust, Mortgage · Line of Credit ST MARYS CREDIT UNION |
| Jan 22, 2018 | Deed of Trust, Mortgage MILFORD FSB |
| Jun 27, 2018 | Deed of Trust, Mortgage DIGITAL FCU |
| Dec 11, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance NORTHPOINT MORTGAGE INC |
| Aug 26, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance NORTHPOINT MORTGAGE INC |
| May 31, 2018 | Quit Claim Deed, Transfer DIGITAL FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 31, 2018 · Amount on Record |
| Deed Sale | May 31, 2018 · Amount on Record |
| Deed Book / Page | 58877 / 28 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UPTON MA |
| Property Address | 12 PEARL ST, UPTON, MA 01568-1204 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 068287-317 |
|---|---|
| Date | Sep 30, 2022 |
| Book Page | 68287/317 |
| Instrument | 106981 |
| Name | ST MARYS CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Oct 01, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UPTON MA |
| Property Address | 12 PEARL ST, UPTON, MA 01568-1204 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 58345-1 |
|---|---|
| Date | Jan 22, 2018 |
| Book Page | 58345/1 |
| Instrument | 6670 |
| Name | MILFORD FSB |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UPTON MA |
| Property Address | 12 PEARL ST, UPTON, MA 01568-1204 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 59007-123 |
|---|---|
| Date | Jun 27, 2018 |
| Book Page | 59007/123 |
| Instrument | 63843 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Jun 01, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UPTON MA |
| Property Address | 12 PEARL ST, UPTON, MA 01568-1204 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 61572-166 |
|---|---|
| Date | Dec 11, 2019 |
| Book Page | 61572/166 |
| Instrument | 134309 |
| Name | NORTHPOINT MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jan 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UPTON MA |
| Property Address | 12 PEARL ST, UPTON, MA 01568-1204 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 63107-126 |
|---|---|
| Date | Aug 26, 2020 |
| Book Page | 63107/126 |
| Instrument | 96380 |
| Name | NORTHPOINT MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | UPTON MA |
| Recording Date | May 31, 2018 |
| Property Address | 12 PEARL ST, UPTON, MA 01568-1204 |
| Document Number | 58877-28 |
| Book / Page | 58877 / 28 |
| Instrument | 52588 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $61.15 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12 PEARL ST, UPTON, MA 01568-1204 |
| Document Number | 588770031 |
|---|---|
| Date | May 31, 2018 |
| Instrument | 58877/0031 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | May 31, 2048 |
Source: Worcester County and Upton Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Upton Town |
| Unified School District | Mendon-Upton School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,355.00 (-0.78%) | $559,300 (+3.21%) Land $241,800 Building $317,500 | $736,345 (+3.51%) |
| 2024 | $7,413.00 (+28.41%) | $541,900 (+30.2%) Land $218,700 Building $323,200 | $711,360 |
| 2023 | $5,773.00 | $416,200 Land $180,400 Building $235,800 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277431001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 2 individual NFIP policies nearby |
| Nearby Flood Policies | 2 in force 1 of 2 on primary residences |
| Wildfire Risk | Low above 20% of the US · above 58% of Massachusetts |
|---|---|
| Wildfire Likelihood | About 1 in 5,000 per year |
| Exposure | Direct 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.
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