Worcester County and Lancaster Town property record for 1292 Main St, Lancaster, MA 01523
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,850 sqft · built 1985 |
| Lot Size | 2.46 acres (107,158 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $960,000 (Aug 2025) |
| Tax Bill | $10,724 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Aug 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | LANC M:030.0 B:0000 L:0155.A |
| Primary APN | LANC M:030.0 B:0000 L:0155.A |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,850 sqft Living Area |
| 1st Floor Area | 1,638 sqft |
| Basement Area | 1,350 sqft |
| Unfinished Basement | 1,344 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 107,158 sqft (2.46 acres) |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 1292 MAIN ST |
|---|---|
| City | LANCASTER |
| State | MA |
| Zip | 01523-2577 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | 155.A |
| Jurisdiction | LANCASTER MA |
| Township / Civil Division | LANCASTER |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 713100 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the North Village Historic District listed 1977 · 20 contributing resources · NRIS 77000199 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
1292 Main St is owned and occupied by two individuals who bought it in August 2025.
Source: Worcester County and Lancaster Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1292 MAIN ST, LANCASTER, MA 01523-2577 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
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 |
|---|---|
| Jun 2, 2022 | Deed of Trust, Mortgage · Line of Credit FIDELITY COOPERATIVE BANK |
| Aug 21, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage I-C FCU |
| Dec 22, 2017 | Deed of Trust, Mortgage · Line of Credit FIDELITY COOPERATIVE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 21, 2025 · Amount on File |
| Deed Sale | Aug 21, 2025 · Amount on File |
| Deed Document Number | 202570760 |
| Deed Book / Page | 72427 / 211 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 1292 MAIN ST, LANCASTER, MA 01523-2577 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 067687-100 |
|---|---|
| Date | Jun 2, 2022 |
| Book Page | 67687/100 |
| Instrument | 60061 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 1, 2042 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LANCASTER MA |
| Recording Date | Aug 21, 2025 |
| Property Address | 1292 MAIN ST, LANCASTER, MA 01523-2577 |
| Document Number | 072427-211 |
| Book / Page | 72427 / 211 |
| Instrument Date | Aug 21, 2025 |
| Instrument | 70760 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1292 MAIN ST, LANCASTER, MA 01523-2577 |
| Document Number | 0000070761 |
|---|---|
| Date | Aug 21, 2025 |
| Instrument | 70761 |
| Name | I-C FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 1292 MAIN ST, LANCASTER, MA 01523-2577 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 58229-229 |
|---|---|
| Date | Dec 22, 2017 |
| Book Page | 58229/229 |
| Instrument | 143576 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 1, 2037 |
The 2025 property tax bill for 1292 Main St was $10,724.
Source: Worcester County and Lancaster Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Lancaster Town |
| Unified School District | Nashoba School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,724.00 | $663,600 Land $122,800 Building $540,800 | $884,165 (+48.91%) |
| 2024 | $593,750 | ||
| 2023 | $9,676.00 | $562,900 Land $102,800 Building $460,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1292 Main St in Zone X, an area of minimal flood risk, though there have been 27 flood claims 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 | 2 in force |
| Nearby Flood Claims | 27 (1978–2010) |
| Claims Outside the SFHA | 4 of 27 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| 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.
Wildfire risk around 1292 Main St is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 | LANCASTER WATER DEPARTMENT serves 6,000 people · EPA ID MA2147000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2026 |
| Lead | 17 ppb (2024–2026) 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.
Source: FCC Broadband Data Collection, based on 51 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
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