15 James Rd, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 15 James Rd, Sterling, MA 01564

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,872 sqft · built 1978
Lot Size	1.2 acres (52,272 sqft)
Owner	2 Individual Names on File
Last Sale	$401,800 (Sep 2018)
Tax Bill	$6,978 (2026)
Deeds & Mortgages	Mar 2020 Refinance Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`STER M:00106 L:00038`

Property Details

APN / Parcel Number

Primary APN	`STER M:00106 L:00038`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,872 sqft Living Area
Gross Area	3,839 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	52,272 sqft (1.2 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	15 JAMES RD
City	STERLING
State	MA
Zip	01564-1404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RRF
Legal Lot Number	38
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	4
Census Block	4006
Census Tract	719100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	15 JAMES RD, STERLING, MA 01564-1404
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HOMEBRIDGE FINANCIAL SERVICES INC
Sep 12, 2018	Quit Claim Deed, Transfer HOMEBRIDGE FINANCIAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2018 · Amount on File
Deed Sale	Sep 12, 2018 · Amount on File
Prior Sale	Aug 28, 1981 · Amount on File
Deed Book / Page	59389 / 130
Transfer Doc	059389-130
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	15 JAMES RD, STERLING, MA 01564-1404
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62084-186
Date	Mar 23, 2020
Book Page	62084/186
Instrument	29756

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	Sep 12, 2018
Property Address	15 JAMES RD, STERLING, MA 01564-1404
Document Number	59389-130
Book / Page	59389 / 130
Instrument	96096
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	$57.09
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	593890134
Date	Sep 12, 2018
Instrument	59389/0134

Lender

Name	HOMEBRIDGE FINANCIAL

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 12, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,978.00 (+2.98%)	$556,000 (+5.68%) Land $183,500 Building $372,500	$629,660 (-)
2025	$6,776.00 (+2.43%)	$526,100 (+5.86%) Land $158,700 Building $367,400	$629,660 (+10.45%)
2024	$6,615.00 (+5.59%)	$497,000 (+13.44%) Land $153,400 Building $343,600	$570,095
2023	$6,265.00	$438,100 Land $145,500 Building $292,600

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2026 · rainfall accumulation

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	STERLING WATER DEPARTMENT serves 6,814 people · EPA ID MA2282000
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	9 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Feb 2024
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 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: T-Mobile, Verizon.

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