12 WILLOW CIR # UT30, UT30, LUNENBURG, MA 01462-1496
Mortgage
Document Number
0000022283
Date
Dec 16, 2022
Instrument
22283
Lender
Name
CROSSCOUNTRY MORTGAGE INC
Type
Mortgage Company
Agreement
Type
Stand-Alone First Mortgage
Amount
Amount on Record
May 2017: Quit Claim Deed, Transfer
Document Type
Quit Claim Deed
Jurisdiction
LUNENBURG MA
Recording Date
May 26, 2017
Property Address
12 WILLOW CIR, LUNENBURG, MA 01462-1496
Document Number
8824-174
Book / Page
008824 / 000174
Instrument Date
May 23, 2017
Instrument
8627
Transaction Type
Transfer
Record Updated
Jun 13, 2017
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$1,851.00
Amount Accuracy
Confirmed
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Husband and Wife
Address
12 WILLOW CIR #30 LUNENBURG MA 014621496, 30, LUNENBURG, MA 01462-1496
Mortgage
Document Number
8824-178
Date
May 26, 2017
Book Page
008824/000178
Instrument
8628
Lender
Name
LEND USA
Agreement
Type
Conventional with PMI
Amount
Amount on Record
Term
360 Months
Due
May 25, 2047
Tax Assessment & Valuation
The 2026 property tax bill for 12 Willow Cir was $8,735, down 1% from the year before.
Source: Worcester County and Lunenburg Town assessment roll, as of April 14, 2026
Property Jurisdictions
Type
Name
State
Massachusetts
County
Worcester County
County Subdivision
Lunenburg Town
Unified School District
Lunenburg School District (PK - 12)
Tax Bill & Assessment History
Year
Tax Bill
Assessed Value
Assessed Market Value
2026
$8,735.00 (-1.03%)
$607,000 (-1.24%)Building $607,000
$668,419 (+3.67%)
2025
$8,826.00 (+9.82%)
$614,600 (+7.82%)Building $614,600
$644,765 (+3.68%)
2024
$8,037.00 (+32.95%)
$570,000 (+37.85%)Building $570,000
$621,870
2023
$6,045.00
$413,500Building $413,500
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Flood
FEMA maps place 12 Willow Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2000.
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
1 in force
Nearby Flood Claims
1 (2000)
Claims Outside the SFHA
1 of 1
Most Recent Claim
Apr 2000 · river or lake flooding
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 Willow Cir 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
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
LUNENBURG WATER DISTRICT serves 7,219 people · EPA ID MA2162000
Water Source
Groundwater
Last State Inspection
Apr 2026
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 32 locations within half a mile, as of December 31, 2025