128 Derby St, Worcester, MA 01604 Property Records

Worcester County and Worcester City property record for 128 Derby St, Worcester, MA 01604

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,242 sqft · built 1981
Lot Size	0.165 acres (7,180 sqft)
Owner	Individual Name on Record
Last Sale	$527,000 (Jul 2026)
Tax Bill	$6,036 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`35-019-00236`

Property Details

APN / Parcel Number

Primary APN	`35-019-00236`
Alternative APN	`WORC M:35 B:019 L:00236`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,242 sqft Living Area
Gross Area	3,074 sqft
1st Floor Area	1,242 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,180 sqft (0.165 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water

Location & Zoning

Account Number	35-019-00236
Street Address	128 DERBY ST
City	WORCESTER
State	MA
Zip	01604-3941
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL-7
Legal Block	19
Legal Lot Number	236
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	1
Census Block	1025
Census Tract	732802

Owner

Source: Worcester County and Worcester City records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	128 DERBY ST, WORCESTER, MA 01604-3941
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Quit Claim Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING
Jul 29, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 31, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2026 · Amount on Record
Deed Sale	Jul 10, 2026 · Amount on Record
Prior Sale	Jul 29, 2022 · Amount on Record
Deed Document Number	202657797
Deed Book / Page	73854 / 200
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Jul 10, 2026
Property Address	128 DERBY ST, WORCESTER, MA 01604-3941
Document Number	0000057797
Book / Page	73854 / 200
Instrument Date	Jun 2, 2026
Instrument	202657797
Transaction Type	Transfer
Record Updated	Jul 29, 2026

Transaction

Amount	Amount Recorded
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
Address	128 DERBY ST, WORCESTER, MA 01604-3941

Mortgage

Date	Jul 10, 2026

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate	6.53%
Max Rate	-1%

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Jul 29, 2022
Property Address	128 DERBY ST, WORCESTER, MA 01604-3941
Document Number	0067988-22
Book / Page	67988 / 22
Instrument Date	Jul 29, 2022
Instrument	83319
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
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	Joint Tenants with Right of Survivorship
Address	128 DERBY ST, WORCESTER, MA 01604-3941

Mortgage

Document Number	0000083320
Date	Jul 29, 2022
Instrument	83320

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Dec 31, 2019
Property Address	128 DERBY ST, WORCESTER, MA 01604-3941
Document Number	61685-120
Book / Page	061685 / 000120
Instrument Date	Jun 13, 2019
Instrument	144010
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	128 DERBY ST WORCESTER MA 016043941, WORCESTER, MA 01604-3941

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Worcester City
Unified School District	Worcester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,036.00 (+2.01%)	$454,500 (+1.32%) Land $123,500 Building $331,000	$481,222 (-4.82%)
2025	$5,917.00 (+5.23%)	$448,600 (+14.41%) Land $117,600 Building $331,000	$505,590 (+1.27%)
2024			$499,225
2023	$5,623.00	$392,100 Land $102,300 Building $289,800

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

Flood

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.

Wildfire

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	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	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

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 456 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
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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