15 Clay St, Worcester, MA 01610 Property Records

Worcester County and Worcester City property record for 15 Clay St, Worcester, MA 01610

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,411 sqft · built 1923
Lot Size	0.14 acres (6,105 sqft)
Owner	Company Name on Record
Last Sale	$365,000 (Oct 2023)
Tax Bill	$4,623 (2026)
Deeds & Mortgages	Nov 2024 Refinance Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-009-00014`

Property Details

APN / Parcel Number

Primary APN	`26-009-00014`
Alternative APN	`WORC M:26 B:009 L:00014`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,411 sqft Living Area
Gross Area	2,657 sqft
1st Floor Area	865 sqft
Basement Area	728 sqft
Unfinished Basement	728 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,105 sqft (0.14 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	26-009-00014
Street Address	15 CLAY ST
City	WORCESTER
State	MA
Zip	01610-2921
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL-7
Legal Block	9
Legal Lot Number	14
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	4
Census Block	4008
Census Tract	732901

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	31 GROVE ST, WINCHESTER, MA 01890-3839
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance MEGA CAP FUNDING INC
Oct 30, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MEGA CAP FUNDING INC
Dec 14, 2022	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2023 · Amount on Record
Deed Sale	Oct 30, 2023 · Amount on Record
Prior Sale	Dec 14, 2022 · Amount on Record
Deed Book / Page	69818 / 373
Last Transfer Date	Jan 6, 2025
Transfer Doc	0071520-21
Record Updated	Oct 29, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	15 CLAY ST, WORCESTER, MA 01610-2921
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071352-122
Date	Nov 27, 2024
Book Page	71352/122
Instrument	99219

Lender

Name	MEGA CAP FUNDING INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Dec 1, 2053

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Oct 30, 2023
Property Address	15 CLAY ST, WORCESTER, MA 01610-2921
Document Number	069818-373
Book / Page	69818 / 373
Instrument Date	Oct 27, 2023
Instrument	90373
Transaction Type	Transfer
Record Updated	Nov 17, 2023

Transaction

Amount	Amount Recorded
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	31 GROVE ST, WINCHESTER, MA 01890-3839

Mortgage

Document Number	0000090374
Date	Oct 30, 2023
Instrument	90374

Lender

Name	MEGA CAP FUNDING INC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Dec 14, 2022
Property Address	15 CLAY ST, WORCESTER, MA 01610-2921
Document Number	00068603-4
Book / Page	68603 / 4
Instrument Date	Dec 2, 2022
Instrument	131822
Transaction Type	Transfer
Record Updated	Dec 30, 2022

Transaction

Amount	Amount Recorded
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	667 BOYLSTON ST # STE20, STE20, BOSTON, MA 02116-4809

Tax Assessment & Valuation

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	$4,623.00 (+3.98%)	$348,100 (+3.26%) Land $96,100 Building $252,000	$395,228 (+3.57%)
2025	$4,446.00 (+7.16%)	$337,100 (+16.52%) Land $90,400 Building $246,700	$381,615 (+2.71%)
2024			$371,545
2023	$4,149.00	$289,300 Land $78,600 Building $210,700

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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

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

May also be available: AT&T, T-Mobile.

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