1405 Main St, Lancaster, MA 01523 Property Records

Worcester County and Lancaster Town property record for 1405 Main St, Lancaster, MA 01523

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,336 sqft · built 1984
Lot Size	1.23 acres (53,579 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Oct 2013)
Tax Bill	$7,211 (2025)
Deeds & Mortgages	May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`LANC M:030.0 B:0000 L:0010.0`

Property Details

APN / Parcel Number

Primary APN	`LANC M:030.0 B:0000 L:0010.0`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,336 sqft Living Area
1st Floor Area	1,336 sqft
Basement Area	1,250 sqft
Unfinished Basement	550 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1991
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	53,579 sqft (1.23 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Street Address	1405 MAIN ST
City	LANCASTER
State	MA
Zip	01523-2586
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	10.0
Jurisdiction	LANCASTER MA
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1011
Census Tract	713100

Historic Designation

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.

Owner

1405 Main St is owned and occupied by two individuals who bought it in October 2013.

Source: Worcester County and Lancaster Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1405 MAIN ST, LANCASTER, MA 01523-2586
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2013 · Amount on File
Deed Sale	Oct 10, 2013 · Amount on File
Prior Sale	Oct 10, 2013 · Amount on File
Deed Book / Page	51609 / 95
Transfer Doc	5160000095
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER MA
Property Address	1405 MAIN ST, LANCASTER, MA 01523-2586
Document Number	58765-269
Instrument Date	May 2, 2018
Transaction Type	Mortgage
Record Updated	May 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58765-269
Date	May 7, 2018
Book Page	058765/000269
Instrument	43237

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 6, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%

Tax Assessment & Valuation

The 2025 property tax bill for 1405 Main St was $7,211.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,211.00	$446,200 Land $113,200 Building $333,000	$532,950 (+14.19%)
2024			$466,735
2023		$407,100 Land $94,000 Building $313,100
2022	$6,372.00

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

Flood

FEMA maps place 1405 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Severe Storms And Flooding, Mar 2010 · 4 claims Severe Storms & Flooding, Apr 1987 · 3 claims

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 1405 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.

Drinking Water

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

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Main St

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