15 Cove Dr, Sturbridge, MA 01566 Property Records

Worcester County and Sturbridge Town property record for 15 Cove Dr, Sturbridge, MA 01566

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 5,601 sqft · built 1975
Lot Size	0.69 acres (30,056 sqft)
Owner	Individual Name on File
Last Sale	$562,500 (May 2020)
Tax Bill	$13,467 (2026)
Deeds & Mortgages	May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`232-02532-015`

Property Details

APN / Parcel Number

Primary APN	`232-02532-015`
Alternative APNs	`STUR M:232 B:000 L:2532-015` `M:232 B:000 L:2532=015`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	5,601 sqft Living Area
Gross Area	8,470 sqft
Basement Area	1,624 sqft
Unfinished Basement	1,624 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,056 sqft (0.69 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	232-02532-015
Street Address	15 COVE DR
City	STURBRIDGE
State	MA
Zip	01566-1002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Lot Number	2532-15
Jurisdiction	STURBRIDGE MA
Township / Civil Division	STURBRIDGE
Census Block Group	1
Census Block	1029
Census Tract	758104

Owner

15 Cove Dr is owned and occupied by an individual who bought it in May 2020.

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

Owner of Record	Individual Name on File
Mailing Address	15 COVE DR, STURBRIDGE, MA 01566-1002
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	Name on Deed
Last Sale	May 22, 2020 · Amount on File
Deed Sale	May 22, 2020 · Amount on File
Deed Document Number	202052444
Deed Book / Page	62446 / 94
Prior Transfer Date	May 19, 2020
Prior Transfer Doc	62446-94
Record Updated	Oct 29, 2026

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STURBRIDGE MA
Recording Date	May 22, 2020
Property Address	15 COVE DR, STURBRIDGE, MA 01566-1002
Document Number	62446-94
Book / Page	62446 / 94
Instrument Date	May 19, 2020
Instrument	52444
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	15 COVE DR, STURBRIDGE, MA 01566-1002

Mortgage

Document Number	52445
Date	May 22, 2020
Instrument	52445

Lender

Name	SAVERS COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 15 Cove Dr was $13,467, down 0.9% 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	$13,467.00 (-0.93%)	$863,300 (+1.17%) Land $374,200 Building $489,100	$814,315 (-4.27%)
2025	$13,593.00 (+19.63%)	$853,300 (+23.83%) Land $391,100 Building $462,200	$850,630 (+8.3%)
2024	$11,363.00 (+5.77%)	$689,100 (+15.91%) Land $268,500 Building $420,600	$785,460
2023	$10,743.00	$594,500 Land $234,600 Building $359,900

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

Flood

FEMA maps place 15 Cove Dr 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

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 15 Cove Dr is low, with less than 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 94% of the US · lower than 86% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	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 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20