Worcester County and Lancaster Town property record for 1312 Main St, Lancaster, MA 01523
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,512 sqft · built 1978 |
| Lot Size | 0.55 acres (23,958 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $495,000 (Dec 2024) |
| Tax Bill | $7,330 (2025) |
| Deeds & Mortgages | Sep 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | LANC M:030.0 B:0000 L:0156.B |
| Primary APN | LANC M:030.0 B:0000 L:0156.B |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,512 sqft Living Area |
| 1st Floor Area | 864 sqft |
| Basement Area | 864 sqft |
| Unfinished Basement | 564 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 23,958 sqft (0.55 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 1312 MAIN ST |
|---|---|
| City | LANCASTER |
| State | MA |
| Zip | 01523-2578 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | 156.B |
| 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.
1312 Main St is owned and occupied by two individuals who bought it in December 2024.
Source: Worcester County and Lancaster Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1312 MAIN ST, LANCASTER, MA 01523-2578 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 23, 2024 · Amount on File |
| Deed Sale | Dec 23, 2024 · Amount on File |
| Prior Sale | Nov 21, 1996 · Amount on File |
| Deed Document Number | 2024107144 |
| Deed Book / Page | 71455 / 397 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 1312 MAIN ST, LANCASTER, MA 01523-2578 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 65981-381 |
|---|---|
| Date | Sep 2, 2021 |
| Book Page | 65981/381 |
| Instrument | 124006 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2041 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 1312 Main St was $7,330.
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 | $7,330.00 | $453,600 Land $110,100 Building $343,500 | $469,775 (+14.87%) |
| 2024 | $408,975 | ||
| 2023 | $6,836.00 | $397,700 Land $93,200 Building $304,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1312 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 1312 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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