13 Cedar Rd, Holden, MA 01520 Property Records

Worcester County and Holden Town property record for 13 Cedar Rd, Holden, MA 01520

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,196 sqft · built 1977
Lot Size	0.236 acres (10,272 sqft)
Owner	2 Trust Names on File
Last Sale	$259,900 (Aug 2015)
Tax Bill	$6,577 (2026)
Deeds & Mortgages	Jan 2021 Refinance May 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`HOLD M:245 B:29`

Property Details

APN / Parcel Number

Primary APN	`HOLD M:245 B:29`
Alternative APNs	`M:00245 P:00029` `6061`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,196 sqft Living Area
Gross Area	2,580 sqft
1st Floor Area	1,196 sqft
Basement Area	676 sqft
Unfinished Basement	676 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,272 sqft (0.236 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	6061
Street Address	13 CEDAR RD
City	HOLDEN
State	MA
Zip	01520-1702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Subdivision	GARDEN GROVE
Legal Block	29
Jurisdiction	HOLDEN MA
Township / Civil Division	HOLDEN
Census Block Group	4
Census Block	4010
Census Tract	728200

Owner

13 Cedar Rd is owner-occupied and held in a trust since June 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	13 CEDAR RD, HOLDEN, MA 01520-1702
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Jan 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
May 27, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2015 · Amount on File
Deed Sale	Aug 3, 2015 · Amount on File
Prior Sale	Apr 27, 2012 · Amount on File
Deed Book / Page	54108 / 97
Last Transfer Date	Jun 6, 2024
Transfer Doc	070607-105
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	13 CEDAR RD, HOLDEN, MA 01520-1702
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064256-219
Date	Jan 19, 2021
Book Page	64256/219
Instrument	7913

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Feb 1, 2050

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	13 CEDAR RD, HOLDEN, MA 01520-1702
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067665-29
Date	May 27, 2022
Book Page	67665/29
Instrument	58418

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	481 Months
Due	Jun 1, 2062

Tax Assessment & Valuation

The 2026 property tax bill for 13 Cedar Rd was $6,577, up 6% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Holden Town
Unified School District	Wachusett School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,577.00 (+6.05%)	$487,900 (+9.03%) Land $163,600 Building $324,300	$498,095 (+13.91%)
2025	$6,202.00 (+1.72%)	$447,500 (+3.85%) Land $155,800 Building $291,700	$437,285
2024	$6,097.00 (+6.95%)	$430,900 (+13.31%) Land $151,200 Building $279,700
2023	$5,701.00	$380,300 Land $131,400 Building $248,900

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

Flood

FEMA maps place 13 Cedar Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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 13 Cedar Rd 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	HOLDEN WATER DIVISION, DPW serves 18,016 people · EPA ID MA2134000
Water Source	Purchased surface water from WORCESTER DPWP, WATER SUPPLY DIVISION
Last State Inspection	Nov 2024
Lead	3 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 386 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Netafy.

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