Worcester County and Upton Town property record for 120 Elm St, Upton, MA 01568 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,938 sqft · built 1949 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,386 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Apr 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | UPTO M:016 L:069 |
| Primary APN | UPTO M:016 L:069 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,938 sqft Living Area |
| Gross Area | 2,890 sqft |
| 1st Floor Area | 1,182 sqft |
| Basement Area | 702 sqft |
| Unfinished Basement | 702 sqft |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,761 sqft (0.27 acres) |
| Deck Area | Deck Area |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 120 ELM ST |
|---|---|
| City | UPTON |
| State | MA |
| Zip | 01568-1125 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | 69 |
| Jurisdiction | UPTON MA |
| Township / Civil Division | UPTON |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 743100 |
Source: Worcester County and Upton Town records · APN UPTO M:016 L:069
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 120 ELM ST, UPTON, MA 01568-1125 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 30, 2023 | Deed of Trust, Mortgage · Line of Credit ROCKET MORTGAGE |
| Apr 19, 2022 | Deed of Trust, Mortgage · Line of Credit ROCKLAND TRUST CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UPTON MA |
| Property Address | 120 ELM ST, UPTON, MA 01568-1125 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2023 |
| Name | Verified Name |
|---|
| Document Number | 069581-335 |
|---|---|
| Date | Aug 30, 2023 |
| Book Page | 69581/335 |
| Instrument | 71820 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 541 Months |
| Due | Sep 01, 2068 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UPTON MA |
| Property Address | 120 ELM ST, UPTON, MA 01568-1125 |
| Transaction Type | Mortgage |
| Record Updated | May 06, 2022 |
| Name | Verified Name |
|---|
| Document Number | 067450-220 |
|---|---|
| Date | Apr 19, 2022 |
| Book Page | 67450/220 |
| Instrument | 42367 |
| Name | ROCKLAND TRUST CO |
|---|---|
| Type | Non-Lending Institution |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 541 Months |
| Due | May 01, 2067 |
| Rate Type | Adjustable Rate |
|---|
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 | $7,386.00 (+30.8%) | $561,700 (+36.07%) Land $166,000 Building $395,700 | $600,590 (+4.6%) |
| 2024 | $5,647.00 (+27.59%) | $412,800 (+29.36%) Land $150,200 Building $262,600 | $574,180 |
| 2023 | $4,426.00 | $319,100 Land $123,900 Building $195,200 |
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 |
| Nearby Flood Policies | 2 in force |
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 23 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 35 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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