14 Merchant St, Worcester, MA 01603 Property Records

Worcester County and Worcester City property record for 14 Merchant St, Worcester, MA 01603

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,292 sqft · built 2003
Lot Size	0.107 acres (4,680 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Sep 2019)
Tax Bill	$4,766 (2026)
Deeds & Mortgages	Sep 2019 Sale & Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-009-0001R`

Property Details

APN / Parcel Number

Primary APN	`15-009-0001R`
Alternative APN	`WORC M:15 B:009 L:0001R`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,292 sqft Living Area
Gross Area	2,106 sqft
1st Floor Area	626 sqft
Basement Area	626 sqft
Unfinished Basement	626 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,680 sqft (0.107 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	15-009-0001R
Street Address	14 MERCHANT ST
City	WORCESTER
State	MA
Zip	01603-1216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL-7
Legal Block	9
Legal Lot Number	1R
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	1
Census Block	1012
Census Tract	731001

Owner

14 Merchant St is owned and occupied by an individual who bought it in September 2019.

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

Owner of Record	Individual Name on File
Mailing Address	14 MERCHANT ST, WORCESTER, MA 01603-1216
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 27, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 12, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage STATE FUNDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2019 · Amount on File
Deed Sale	Sep 27, 2019 · Amount on File
Prior Sale	Apr 12, 2019 · Amount on File
Deed Document Number	2019100628
Deed Book / Page	61128 / 184
Prior Transfer Date	Sep 23, 2019
Prior Transfer Doc	61128-184
Record Updated	Oct 29, 2026

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Sep 27, 2019
Property Address	14 MERCHANT ST, WORCESTER, MA 01603-1216
Document Number	61128-184
Book / Page	61128 / 184
Instrument Date	Sep 23, 2019
Instrument	100628
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Address	14 MERCHANT ST, WORCESTER, MA 01603-1216

Mortgage

Document Number	100629
Date	Sep 27, 2019
Instrument	100629

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Apr 12, 2019
Property Address	14 MERCHANT ST, WORCESTER, MA 01603-1216
Document Number	60268-140
Book / Page	60268 / 140
Instrument Date	Mar 22, 2019
Instrument	32297
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Address	1073 PLEASANT ST, WORCESTER, MA 01602-1330

Mortgage

Document Number	32298
Date	Apr 12, 2019
Instrument	32298

Lender

Name	STATE FUNDING LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 14 Merchant St was $4,766, up 7.9% from the year before.

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	$4,766.00 (+7.85%)	$358,859 (+7.12%) Land $82,359 Building $276,500	$382,366
2025	$4,419.00	$334,994 Land $77,494 Building $257,500
2023	$4,008.00	$279,494 Land $67,394 Building $212,100

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

Flood

FEMA maps place 14 Merchant St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2011 · 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

Wildfire risk around 14 Merchant St 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 407 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

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