15 Paul St, Worcester, MA 01606 Property Records

Worcester County and Worcester City property record for 15 Paul St, Worcester, MA 01606

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 3,250 sqft · built 1969
Lot Size	0.202 acres (8,800 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Apr 2009)
Tax Bill	$8,443 (2026)
Deeds & Mortgages	Oct 2023 Line of Credit Oct 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`12-022-0004A`

Property Details

APN / Parcel Number

Primary APN	`12-022-0004A`
Alternative APN	`WORC M:12 B:022 L:0004A`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,250 sqft Living Area
Gross Area	5,180 sqft
1st Floor Area	1,850 sqft
Basement Area	1,400 sqft
Unfinished Basement	1,400 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,800 sqft (0.202 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Electric

Location & Zoning

Account Number	12-022-0004A
Street Address	15 PAUL ST
City	WORCESTER
State	MA
Zip	01606-3137
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RL-7
Legal Block	22
Legal Lot Number	4A
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	2
Census Block	2022
Census Tract	730300

Owner

15 Paul St, a duplex, is owned and occupied by an individual who bought it in April 2009.

Source: Worcester County and Worcester City 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	Individual Name on File
Mailing Address	15 PAUL ST, WORCESTER, MA 01606-3137
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2023	Deed of Trust, Mortgage · Line of Credit BAY STATE SAVINGS BANK
Oct 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2009 · Amount on File
Deed Sale	Apr 17, 2009 · Amount on File
Prior Sale	Nov 24, 1995 · Amount on File
Deed Document Number	200941317
Deed Book / Page	44104 / 99
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	15 PAUL ST, WORCESTER, MA 01606-3137
Transaction Type	Mortgage
Record Updated	Nov 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069821-303
Date	Oct 30, 2023
Book Page	69821/303
Instrument	90573

Lender

Name	BAY STATE SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2043

Interest

Rate Type	Adjustable Rate

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	15 PAUL ST, WORCESTER, MA 01606-3137
Transaction Type	Mortgage
Record Updated	Nov 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66364-20
Date	Oct 25, 2021
Book Page	66364/20
Instrument	149231

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 15 Paul St was $8,443, up 5.6% from the year before.

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	$8,443.00 (+5.62%)	$635,800 (+4.9%) Land $124,100 Building $511,700	$594,016
2025	$7,994.00	$606,100 Land $118,200 Building $487,900
2023	$7,255.00	$505,900 Land $102,800 Building $403,100

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

Flood

FEMA maps place 15 Paul St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2008.

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
Nearby Flood Claims	2 (2008–2020)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2020 · 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

Wildfire risk around 15 Paul St 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 99.1% of the US · lower than 98.7% 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	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 735 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 Fixed Wireless	300 / 20

May also be available: Netafy, T-Mobile.

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