Worcester County and Worcester City property record for 120 Derby St, Worcester, MA 01604
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 1,578 sqft · built 1982 |
| Lot Size | 0.169 acres (7,350 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $145,000 (May 1994) |
| Tax Bill | $6,823 (2026) |
| Deeds & Mortgages | Nov 2017 Mortgage Nov 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-019-00234 |
| Primary APN | 35-019-00234 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,578 sqft Living Area |
| Gross Area | 4,450 sqft |
| 1st Floor Area | 1,578 sqft |
| Basement Area | 288 sqft |
| Unfinished Basement | 288 sqft |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,350 sqft (0.169 acres) |
| Garage Type | Basement |
| Pool Type | In-Ground Pool |
| Deck Area | Deck Area |
| Heating System | Electric |
|---|
| Account Number | 35-019-00234 |
|---|---|
| Street Address | 120 DERBY ST |
| City | WORCESTER |
| State | MA |
| Zip | 01604-3941 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RL-7 |
| Legal Subdivision | WORCESTER |
| Legal Block | 19 |
| Legal Lot Number | 234 |
| Jurisdiction | WORCESTER MA |
| Township / Civil Division | WORCESTER |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 732802 |
Source: Worcester County and Worcester City records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 120 DERBY ST, WORCESTER, MA 01604-3941 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 17, 2017 | Deed of Trust, Mortgage FREEDOM MORTGAGE CORP |
| Nov 30, 2018 | Deed of Trust, Mortgage FREEDOM MORTGAGE CORP |
| Jan 14, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP |
| May 22, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 1994 · Amount on Record |
| Deed Sale | May 31, 1994 · Amount on Record |
| Deed Book / Page | 16325 / 179 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 120 DERBY ST, WORCESTER, MA 01604-3941 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 58052-183 |
|---|---|
| Date | Nov 17, 2017 |
| Book Page | 58052/183 |
| Instrument | 128682 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 120 DERBY ST, WORCESTER, MA 01604-3941 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 59757-319 |
|---|---|
| Date | Nov 30, 2018 |
| Book Page | 59757/319 |
| Instrument | 126893 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 120 DERBY ST, WORCESTER, MA 01604-3941 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 61742-1 |
|---|---|
| Date | Jan 14, 2020 |
| Book Page | 61742/1 |
| Instrument | 4074 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 120 DERBY ST, WORCESTER, MA 01604-3941 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 62450-183 |
|---|---|
| Date | May 22, 2020 |
| Book Page | 62450/183 |
| Instrument | 52706 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
Source: Worcester County and Worcester City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Worcester City |
| Unified School District | Worcester School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,823.00 (+1.82%) | $513,800 (+1.14%) Land $123,500 Building $390,300 | $474,165 (-5.79%) |
| 2025 | $6,701.00 (+5.01%) | $508,000 (+14.16%) Land $117,700 Building $390,300 | $503,310 (+5.92%) |
| 2024 | $475,190 | ||
| 2023 | $6,381.00 | $445,000 Land $102,300 Building $342,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
| Nearby Flood Claims | 3 (1978–2000) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Oct 2000 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 96% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 656 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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