124 Howard St, Northborough, MA 01532 Property Records

Worcester County and Northborough Town property record for 124 Howard St, Northborough, MA 01532

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,816 sqft · built 2018
Lot Size	0.927 acres (40,393 sqft)
Owner	2 Individual Names on File
Last Sale	$789,900 (Oct 2020)
Tax Bill	$15,027 (2025)
Deeds & Mortgages	May 2026 Line of Credit Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`NBOR M:0440 L:0093`

Property Details

APN / Parcel Number

Primary APN	`NBOR M:0440 L:0093`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,816 sqft Living Area
Gross Area	4,584 sqft
Basement Area	1,480 sqft
Unfinished Basement	1,480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,393 sqft (0.927 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	124 HOWARD ST
City	NORTHBOROUGH
State	MA
Zip	01532-1317
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Lot Number	93
Jurisdiction	NORTHBOROUGH MA
Township / Civil Division	NORTHBOROUGH
Census Block Group	1
Census Block	1021
Census Tract	740102

Owner

124 Howard St is owned and occupied by two individuals who bought it in October 2020.

Source: Worcester County and Northborough Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	124 HOWARD ST, NORTHBOROUGH, MA 01532-1317
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 6, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Oct 9, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MORTGAGE NETWORK INC
Oct 18, 2018	Quit Claim Deed, Transfer GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2020 · Amount on File
Deed Sale	Oct 9, 2020 · Amount on File
Prior Sale	Oct 18, 2018 · Amount on File
Deed Document Number	2020120004
Deed Book / Page	63462 / 201
Prior Transfer Date	Oct 6, 2020
Prior Transfer Doc	63462-201
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHBOROUGH MA
Recording Date	May 6, 2026
Property Address	124 HOWARD ST, NORTHBOROUGH, MA 01532-1317
Document Number	073537-239
Book / Page	73537 / 239
Instrument Date	Apr 20, 2026
Instrument	202635219
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 HOWARD ST, NORTHBOROUGH, MA 01532-1317

Mortgage

Document Number	0000035219,
Date	May 6, 2026
Book Page	73537/239
Instrument	202635219

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Max Rate	-1%

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTHBOROUGH MA
Recording Date	Oct 9, 2020
Property Address	124 HOWARD ST, NORTHBOROUGH, MA 01532-1317
Document Number	63462-201
Book / Page	63462 / 201
Instrument Date	Oct 6, 2020
Instrument	120004
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	124 HOWARD ST, NORTHBOROUGH, MA 01532-1317

Mortgage

Document Number	120005
Date	Oct 9, 2020
Instrument	120005

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTHBOROUGH MA
Recording Date	Oct 18, 2018
Property Address	124 HOWARD ST, NORTHBOROUGH, MA 01532-1317
Document Number	59563-303
Book / Page	059563 / 000303
Instrument Date	Oct 9, 2018
Instrument	110647
Transaction Type	Transfer
Record Updated	Nov 16, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,419.54
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	124 HOWARD ST NORTHBOROUGH MA 01532, NORTHBOROUGH, MA 01532

Mortgage

Document Number	59563-307
Date	Oct 18, 2018
Book Page	059563/000307
Instrument	110648

Lender

Name	GUARANTEED RATE

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 17, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 124 Howard St was $15,027, up 7.8% from the year before.

Source: Worcester County and Northborough Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Northborough Town
Elementary School District	Northborough School District (KG - 08)
Secondary School District	Northborough-Southborough School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$15,027.00 (+7.84%)	$1,054,500 (+8.07%) Land $276,200 Building $778,300	$1,053,740 (+2.27%)
2024	$13,934.00 (+6.42%)	$975,800 (+10.22%) Land $228,900 Building $746,900	$1,030,370
2023	$13,094.00	$885,300 Land $216,100 Building $669,200

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

Flood

FEMA maps place 124 Howard St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

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	5 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Jan 1978 · tidal / storm surge

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 124 Howard St is low, with a 0.01% 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	0.01% annual chance
Exposure	None beyond 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	NORTHBOROUGH WATER DEPARTMENT (MWRA) serves 13,551 people · EPA ID MA2215000
Water Source	Purchased surface water from MWRA
Last State Inspection	May 2024
Lead	1 ppb (2025) 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 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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