146 Main St, Lancaster, MA 01523 Property Records

Worcester County and Lancaster Town property record for 146 Main St, Lancaster, MA 01523

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,428 sqft · built 1930
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (Jul 1999)
Tax Bill	$4,565 (2025)
Deeds & Mortgages	Jan 2023 Refinance
Flood Zone	Zone X (minimal risk)
APN	`LANC M:041.0 B:0000 L:0263.0`

Property Details

APN / Parcel Number

Primary APN	`LANC M:041.0 B:0000 L:0263.0`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,428 sqft Living Area
1st Floor Area	714 sqft
Basement Area	714 sqft
Unfinished Basement	634 sqft
Game Room	Game Room

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1967
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	146 MAIN ST
City	LANCASTER
State	MA
Zip	01523-2801
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	263.0
Jurisdiction	LANCASTER MA
Township / Civil Division	LANCASTER
Census Block Group	2
Census Block	2028
Census Tract	713100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 1085, SOUTH LANCASTER, MA 01561-1085
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 1999 · Amount on Record
Deed Sale	Jul 29, 1999 · Amount on Record
Prior Sale	Jul 15, 1987 · Amount on Record
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER MA
Property Address	146 MAIN ST, LANCASTER, MA 01523-2801
Transaction Type	Mortgage
Record Updated	Feb 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068782-38
Date	Jan 31, 2023
Book Page	68782/38
Instrument	9318

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2038

Tax Assessment & Valuation

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	$4,565.00 (+21.54%)	$282,500 (+29.29%) Land $86,000 Building $196,500	$387,695 (+1.06%)
2024			$383,610
2023	$3,756.00	$218,500 Land $71,000 Building $147,500

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

Flood

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
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	9 (1978–2010)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 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

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	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 130 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