Worcester County and Worcester City property record for 121 Water St, Worcester, MA 01604
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 17,800 sqft · built 1900 |
| Lot Size | 0.331 acres (14,400 sqft) |
| Owner | Company Name on File |
| Last Sale | $550,000 (Jul 2015) |
| Tax Bill | $23,664 (2026) |
| Deeds & Mortgages | Jul 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 4-037-00020 |
| Primary APN | 4-037-00020 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 17,800 sqft Total Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Other |
| Lot Area | 14,400 sqft (0.331 acres) |
| Heating System | Space Heater |
|---|
| Account Number | 4-037-00020 |
|---|---|
| Street Address | 121 WATER ST |
| City | WORCESTER |
| State | MA |
| Zip | 01604-5039 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Local Zoning Code | BG-3 |
| Legal Block | 37 |
| Legal Lot Number | 20 |
| Jurisdiction | WORCESTER MA |
| Township / Civil Division | WORCESTER |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 732500 |
121 Water St, a commercial property, is owned by a company that bought it in July 2015.
Source: Worcester County and Worcester City records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1 KELLEY SQ, WORCESTER, MA 01610-2754 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 16, 2015 · Amount on File |
| Deed Sale | Jul 16, 2015 · Amount on File |
| Deed Document Number | 201570359 |
| Deed Book / Page | 54019 / 133 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 121 WATER ST, WORCESTER, MA 01604 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 60768-61 |
|---|---|
| Date | Jul 26, 2019 |
| Book Page | 60768/61 |
| Instrument | 72704 |
| Name | CORNERSTONE BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 121 Water St was $23,664, down 2.8% from the year before.
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 |
|---|---|---|
| 2026 | $23,664.00 (-2.78%) | $814,300 (-4.29%) Land $247,600 Building $566,700 |
| 2025 | $24,341.00 | $850,800 Land $230,400 Building $620,400 |
| 2023 | $20,979.00 | $671,100 Land $200,300 Building $470,800 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 121 Water St in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1984.
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 |
| Flood Insurance Cost | Premium on File median of 18 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 22 (1984–2016) |
| Claims Outside the SFHA | 1 of 22 |
| Most Recent Claim | Oct 2016 · rainfall accumulation |
| Claims by Event |
|
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.
The area around 121 Water St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 128 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: Verizon.
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