15 School St, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 15 School St, Sterling, MA 01564

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,971 sqft · built 1910
Lot Size	0.709 acres (30,890 sqft)
Owner	Individual Name on File
Tax Bill	$5,395 (2026)
Deeds & Mortgages	Mar 2020 Mortgage Apr 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`STER M:00105 L:00021`

Property Details

APN / Parcel Number

Primary APN	`STER M:00105 L:00021`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,971 sqft Living Area
Gross Area	4,544 sqft
Basement Area	1,083 sqft
Unfinished Basement	1,083 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,890 sqft (0.709 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	15 SCHOOL ST
City	STERLING
State	MA
Zip	01564-2833
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TCD
Legal Lot Number	21
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	4
Census Block	4013
Census Tract	719100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Sterling Center Historic District listed 1988 · 111 contributing resources · NRIS 88000425

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

15 School St is owned and occupied by an individual who acquired it in August 2016.

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

Owner of Record	Individual Name on File
Mailing Address	15 SCHOOL ST, STERLING, MA 01564-2833
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

Date	Document
Mar 19, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Apr 30, 2018	Deed of Trust, Mortgage · VA Mortgage PACIFIC UNION FINCL
Dec 15, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Jan 23, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2016
Deed Sale	Aug 18, 2016
Prior Sale	Sep 7, 2001 · Amount on File
Deed Document Number	201691346
Deed Book / Page	55821 / 153
Transfer Doc	2370000356
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	15 SCHOOL ST, STERLING, MA 01564-2833
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62067-139
Date	Mar 19, 2020
Book Page	62067/139
Instrument	28536

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	15 SCHOOL ST, STERLING, MA 01564-2833
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58739-133
Date	Apr 30, 2018
Book Page	58739/133
Instrument	41052

Lender

Name	PACIFIC UNION FINCL

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2048

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	15 SCHOOL ST, STERLING, MA 01564-2833
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63982-322
Date	Dec 15, 2020
Book Page	63982/322
Instrument	155500

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2052

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	15 SCHOOL ST, STERLING, MA 01564-2833
Document Number	56738-351
Book / Page	056738 / 000351
Instrument Date	Jan 23, 2017
Transaction Type	Mortgage
Record Updated	Mar 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	56738-351
Date	Feb 14, 2017
Book Page	056738/000351
Instrument	16108

Lender

Name	HUD-HOUSING/URBAN DEV

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 13, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 15 School St was $5,395, up 10.1% from the year before.

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	$5,395.00 (+10.1%)	$429,900 (+13.01%) Land $127,800 Building $302,100	$525,730 (-)
2025	$4,900.00 (+6.89%)	$380,400 (+10.45%) Land $110,700 Building $269,700	$525,730 (+11.39%)
2024	$4,584.00 (-4.28%)	$344,400 (+2.84%) Land $110,700 Building $233,700	$471,960
2023	$4,789.00	$334,900 Land $111,900 Building $223,000

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

Flood

FEMA maps place 15 School St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.

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

Wildfire risk around 15 School St is low, with 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 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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