138 Main St, Holden, MA 01520 Property Records

Worcester County and Holden Town property record for 138 Main St, Holden, MA 01520

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,744 sqft · built 1940
Lot Size	1.07 acres (46,970 sqft)
Owner	Company Name on File
Last Sale	$450,000 (Aug 2022)
Tax Bill	$6,170 (2026)
Deeds & Mortgages	May 2026 Second Mortgage Aug 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`HOLD M:224 B:64`

Property Details

APN / Parcel Number

Primary APN	`HOLD M:224 B:64`
Alternative APNs	`M:00224 P:00064` `5384`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	1,744 sqft Living Area
Gross Area	4,022 sqft
1st Floor Area	1,744 sqft
Basement Area	1,376 sqft
Unfinished Basement	298 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	46,970 sqft (1.07 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	5384
Street Address	138 MAIN ST
City	HOLDEN
State	MA
Zip	01520-1715
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Block	64
Jurisdiction	HOLDEN MA
Township / Civil Division	HOLDEN
Census Block Group	4
Census Block	4003
Census Tract	728200

Owner

138 Main St is owned by a company that acquired it in June 2025.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	8 THE GRN, A, DOVER, DE 19901-3618
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN
Aug 3, 2022	Quit Claim Deed, Transfer · FHA Mortgage EVOLVE BANK & TRUST
Jan 21, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI
Mar 18, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2022 · Amount on File
Deed Sale	Aug 3, 2022 · Amount on File
Deed Document Number	202285651
Deed Book / Page	68018 / 178
Last Transfer Date	Jun 30, 2025
Transfer Doc	072213-276
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Recording Date	May 20, 2026
Property Address	138 MAIN ST, HOLDEN, MA 01520-1715
Document Number	073603-144
Book / Page	73603 / 144
Instrument Date	Apr 13, 2026
Instrument	202640002
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 MAIN ST, HOLDEN, MA 01520-1715

Mortgage

Document Number	0000040002,
Date	May 20, 2026
Book Page	73603/144
Instrument	202640002

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPMEN

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	313 Months
Due	Jun 1, 2052

Interest

Rate	6.11%
Max Rate	-1%

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLDEN MA
Recording Date	Aug 3, 2022
Property Address	138 MAIN ST, HOLDEN, MA 01520-1715
Document Number	068018-178
Book / Page	68018 / 178
Instrument Date	Aug 3, 2022
Instrument	85651
Transaction Type	Transfer
Record Updated	Aug 19, 2022

Transaction

Amount	Amount on Record
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	Tenants by the Entirety
Address	138 MAIN ST, HOLDEN, MA 01520-1715

Mortgage

Document Number	0000085652
Date	Aug 3, 2022
Instrument	85652

Lender

Name	EVOLVE BANK & TRUST
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	138 MAIN ST, HOLDEN, MA 01520-1715
Document Number	61884-186
Instrument Date	Jan 21, 2020
Transaction Type	Mortgage
Record Updated	Mar 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 MAIN ST HOLDEN MA 015201715, HOLDEN, MA 01520-1715

Mortgage

Document Number	61884-186
Date	Feb 12, 2020
Book Page	061884/000186
Instrument	14972

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	138 MAIN ST, HOLDEN, MA 01520-1715
Document Number	56954-84
Book / Page	056954 / 000084
Instrument Date	Mar 18, 2017
Transaction Type	Mortgage
Record Updated	May 2, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	56954-84
Date	Apr 10, 2017
Book Page	056954/000084
Instrument	35248

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 138 Main St was $6,170, up 2.7% 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	$6,170.00 (+2.73%)	$457,700 (+5.63%) Land $158,300 Building $299,400	$501,839 (-5.31%)
2025	$6,006.00 (+8.31%)	$433,300 (+10.56%) Land $150,700 Building $282,600	$530,005
2024	$5,545.00 (-0.66%)	$391,900 (+5.24%) Land $146,300 Building $245,600
2023	$5,582.00	$372,400 Land $127,200 Building $245,200

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

Flood

FEMA maps place 138 Main St 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 138 Main St is low, with less than 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 94% of the US · lower than 86% of Massachusetts
Wildfire Likelihood	Under 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.

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 178 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: Netafy.

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