12 Wells St, Worcester, MA 01604 Property Records

Worcester County and Worcester City property record for 12 Wells St, Worcester, MA 01604

Property Summary

Property Type	Single Family Home
Details	4 bd · 2,294 sqft · built 1920
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (May 2016)
Tax Bill	$9,778 (2026)
Deeds & Mortgages	Nov 2021 Refinance Nov 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-033-00004`

Property Details

APN / Parcel Number

Primary APN	`17-033-00004`
Alternative APN	`WORC M:17 B:033 L:00004`

Interior

Bedrooms	4 Beds
Total Rooms	10 Rooms
Building Area	2,294 sqft Living Area
Gross Area	5,271 sqft
Basement Area	1,147 sqft
Unfinished Basement	1,147 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	9,000 sqft (0.207 acres)
Deck Area	Deck Area
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	17-033-00004
Street Address	12 WELLS ST
City	WORCESTER
State	MA
Zip	01604-1728
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL-7
Legal Subdivision	JOHN P GARDELLA & CONSTANCE B
Legal Block	33
Legal Lot Number	4
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	2
Census Block	2001
Census Tract	732202

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12 WELLS ST, WORCESTER, MA 01604-1728
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance STEARNS LENDING INC
Nov 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance STEARNS LENDING INC
Aug 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2016 · Amount on Record
Deed Sale	May 2, 2016 · Amount on Record
Prior Sale	Feb 4, 2011
Deed Book / Page	55274 / 23
Transfer Doc	0055274-23
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	12 WELLS ST, WORCESTER, MA 01604-1728
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066598-286
Date	Nov 23, 2021
Book Page	66598/286
Instrument	164464

Lender

Name	STEARNS LENDING INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	12 WELLS ST, WORCESTER, MA 01604-1728
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66598-286
Date	Nov 23, 2021
Book Page	66598/286
Instrument	164464

Lender

Name	STEARNS LENDING INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	12 WELLS ST, WORCESTER, MA 01604-1728
Document Number	60987-202
Instrument Date	Aug 28, 2019
Transaction Type	Mortgage
Record Updated	Sep 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 WELLS ST WORCESTER MA 016041728, WORCESTER, MA 01604-1728

Mortgage

Document Number	60987-202
Date	Sep 3, 2019
Book Page	060987/000202
Instrument	89614

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 2, 2049

Tax Assessment & Valuation

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	Assessed Market Value
2026	$9,778.00 (+4.42%)	$736,300 (+3.72%) Land $124,200 Building $612,100	$543,619 (+11.46%)
2025	$9,364.00 (+14.66%)	$709,900 (+24.65%) Land $118,300 Building $591,600
2024			$487,730
2023	$8,167.00	$569,500 Land $102,900 Building $466,600

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

Flood

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
Community Rating System	Class 7 (15% premium discount)
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

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: AT&T.

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