144 Cedar St, Sturbridge, MA 01566 Property Records

Worcester County and Sturbridge Town property record for 144 Cedar St, Sturbridge, MA 01566

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,144 sqft · built 2004
Lot Size	0.56 acres (24,393 sqft)
Owner	Individual Name on File
Last Sale	$461,000 (Dec 2022)
Tax Bill	$7,454 (2026)
Deeds & Mortgages	Aug 2025 Mortgage Jul 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`202-02036-144`

Property Details

APN / Parcel Number

Primary APN	`202-02036-144`
Alternative APNs	`STUR M:202 B:000 L:2036-144` `M:202 B:000 L:2036=144`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,144 sqft Living Area
Gross Area	4,640 sqft
Basement Area	784 sqft
Unfinished Basement	784 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,393 sqft (0.56 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	202-02036-144
Street Address	144 CEDAR ST
City	STURBRIDGE
State	MA
Zip	01566-1357
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Lot Number	2036
Jurisdiction	STURBRIDGE MA
Township / Civil Division	STURBRIDGE
Census Block Group	2
Census Block	2005
Census Tract	758103

Owner

144 Cedar St is owned and occupied by an individual who bought it in December 2022.

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

Owner of Record	Individual Name on File
Mailing Address	144 CEDAR ST, STURBRIDGE, MA 01566-1357
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
Aug 14, 2025	Deed of Trust, Mortgage · Conventional Mortgage WEBSTER FIVE CENTS SAVINGS BANK
Jul 18, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance POINT DIGITAL FINANCE INC
Dec 16, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2022 · Amount on File
Deed Sale	Dec 16, 2022 · Amount on File
Prior Sale	Aug 12, 2004 · Amount on File
Deed Book / Page	68620 / 191
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STURBRIDGE MA
Property Address	144 CEDAR ST, STURBRIDGE, MA 01566-1357
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072398-131
Date	Aug 14, 2025
Book Page	72398/131
Instrument	68593

Lender

Name	WEBSTER FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2045

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STURBRIDGE MA
Property Address	144 CEDAR ST, STURBRIDGE, MA 01566-1357
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067921-203
Date	Jul 18, 2022
Book Page	67921/203
Instrument	78083

Lender

Name	POINT DIGITAL FINANCE INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STURBRIDGE MA
Recording Date	Dec 16, 2022
Property Address	144 CEDAR ST, STURBRIDGE, MA 01566-1357
Document Number	068620-191
Book / Page	68620 / 191
Instrument Date	Dec 16, 2022
Instrument	133199
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	144 CEDAR ST, STURBRIDGE, MA 01566-1357

Mortgage

Document Number	0000133200
Date	Dec 16, 2022
Instrument	133200

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 144 Cedar St was $7,454, up 3% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Sturbridge Town
Elementary School District	Sturbridge School District (PK - 06)
Secondary School District	Tantasqua School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,454.00 (+3.03%)	$477,800 (+5.2%) Land $77,100 Building $400,700	$553,525 (+0.54%)
2025	$7,235.00 (+0.19%)	$454,200 (+3.72%) Land $74,200 Building $380,000	$550,525 (+5.06%)
2024	$7,221.00 (+6.76%)	$437,900 (+16.99%) Land $72,700 Building $365,200	$524,020
2023	$6,764.00	$374,300 Land $63,600 Building $310,700

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

Flood

FEMA maps place 144 Cedar St in Zone X, an area of minimal flood risk.

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	5 in force

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 144 Cedar 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	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	STURBRIDGE WATER DEPARTMENT serves 4,746 people · EPA ID MA2287000
Water Source	Groundwater influenced by surface water
Last State Inspection	Sep 2024
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Jul 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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