Worcester County and Holden Town property record for 124 River St, Holden, MA 01520
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,848 sqft · built 2015 |
| Lot Size | 29.9 acres (1,305,854 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,000 (Jun 2015) |
| Tax Bill | $13,986 (2026) |
| Deeds & Mortgages | Mar 2017 Mortgage May 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | HOLD M:90 B:33 |
| Primary APN | HOLD M:90 B:33 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,848 sqft Living Area |
| Gross Area | 8,998 sqft |
| 1st Floor Area | 2,126 sqft |
| Basement Area | 2,116 sqft |
| Unfinished Basement | 2,116 sqft |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 1,305,854 sqft (29.9 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 124 RIVER ST |
|---|---|
| City | HOLDEN |
| State | MA |
| Zip | 01520-2304 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R40 |
| Legal Block | 33 |
| Jurisdiction | HOLDEN MA |
| Township / Civil Division | HOLDEN |
| Census Block Group | 3 |
| Census Block | 3033 |
| Census Tract | 728400 |
124 River St, a rural home, is owned and occupied by two individuals who acquired it in July 2025.
Source: Worcester County and Holden Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 124 RIVER ST, HOLDEN, MA 01520-2304 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 3, 2017 | Deed of Trust, Mortgage · Commercial Mortgage SPENCER SAVINGS BANK SLA |
| May 8, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 10, 2015 · Amount on File |
| Deed Sale | Jun 10, 2015 · Amount on File |
| Prior Sale | Mar 22, 2005 · Amount on File |
| Deed Document Number | 201553426 |
| Deed Book / Page | 53834 / 305 |
| Last Transfer Date | Jul 20, 2025 |
| Transfer Doc | 072284-386 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOLDEN MA |
| Property Address | 124 RIVER ST, HOLDEN, MA 01520-2304 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 56811-372 |
|---|---|
| Date | Mar 3, 2017 |
| Book Page | 56811/372 |
| Instrument | 22604 |
| Name | SPENCER SAVINGS BANK SLA |
|---|---|
| Type | Lending Institution |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOLDEN MA |
| Property Address | 124 RIVER ST, HOLDEN, MA 01520-2304 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 62361-172 |
|---|---|
| Date | May 8, 2020 |
| Book Page | 62361/172 |
| Instrument | 46998 |
| Name | CORNERSTONE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2035 |
The 2026 property tax bill for 124 River St was $13,986, up 1.2% from the year before.
Source: Worcester County and Holden Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Holden Town |
| Unified School District | Wachusett School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $13,986.00 (+1.21%) | $1,037,500 (+4.06%) Land $174,800 Building $862,700 | $833,009 (-1.48%) |
| 2025 | $13,819.00 (-6.06%) | $997,050 (-4.1%) Land $172,650 Building $824,400 | $845,500 |
| 2024 | $14,711.00 (+5.3%) | $1,039,650 (+11.56%) Land $167,850 Building $871,800 | |
| 2023 | $13,970.00 | $931,950 Land $146,650 Building $785,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 124 River St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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 | 2 (1979–1984) |
| Most Recent Claim | Apr 1984 · 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 risk around 124 River 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 41 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Ripple Fiber.
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