Worcester County and Westborough Town property record for 159 Ruggles St, Westborough, MA 01581
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,256 sqft · built 1986 |
| Lot Size | 0.738 acres (32,143 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $755,000 (Dec 2021) |
| Tax Bill | $13,886 (2026) |
| Deeds & Mortgages | Jan 2026 Second Mortgage Dec 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | WBOR M:0009 B:000276 L:0 |
| Primary APN | WBOR M:0009 B:000276 L:0 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,256 sqft Living Area |
| Gross Area | 3,760 sqft |
| Basement Area | 1,120 sqft |
| Unfinished Basement | 1,120 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 32,143 sqft (0.738 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 159 RUGGLES ST |
|---|---|
| City | WESTBOROUGH |
| State | MA |
| Zip | 01581-3626 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Subdivision | WESTBORO |
| Legal Block | 276 |
| Jurisdiction | WESTBOROUGH MA |
| Township / Civil Division | WESTBOROUGH |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 742401 |
159 Ruggles St is owned and occupied by two individuals who bought it in December 2021.
Source: Worcester County and Westborough Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 159 RUGGLES ST, WESTBOROUGH, MA 01581-3626 |
| 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.
| Date | Document |
|---|---|
| Jan 26, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage CENTRAL ONE FCU |
| Dec 22, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage MIDDLESEX SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 22, 2021 · Amount on File |
| Deed Sale | Dec 22, 2021 · Amount on File |
| Prior Sale | May 15, 2014 · Amount on File |
| Deed Book / Page | 66807 / 259 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTBOROUGH MA |
| Property Address | 159 RUGGLES ST, WESTBOROUGH, MA 01581-3626 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0073122-32 |
|---|---|
| Date | Jan 26, 2026 |
| Book Page | 73122/32 |
| Instrument | 6109 |
| Name | CENTRAL ONE FCU |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Feb 1, 2031 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WESTBOROUGH MA |
| Recording Date | Dec 22, 2021 |
| Property Address | 159 RUGGLES ST, WESTBOROUGH, MA 01581-3626 |
| Document Number | 066807-259 |
| Book / Page | 66807 / 259 |
| Instrument Date | Dec 22, 2021 |
| Instrument | 178948 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 159 RUGGLES ST, WESTBOROUGH, MA 01581-3626 |
| Document Number | 0000178949 |
|---|---|
| Date | Dec 22, 2021 |
| Instrument | 178949 |
| Name | MIDDLESEX SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 159 Ruggles St was $13,886, up 5.8% from the year before.
Source: Worcester County and Westborough Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Westborough Town |
| Unified School District | Westborough School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $13,886.00 (+5.81%) | $871,700 (+8.21%) Land $371,600 Building $500,100 | $906,128 (-10.25%) |
| 2025 | $13,123.00 (+4.68%) | $805,600 (+5.46%) Land $347,300 Building $458,300 | $1,009,660 (+5.93%) |
| 2024 | $12,536.00 (+4.47%) | $763,900 (+7.2%) Land $330,600 Building $433,300 | $953,135 |
| 2023 | $12,000.00 | $712,600 Land $311,800 Building $400,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 159 Ruggles St in Zone X, an area of minimal flood risk.
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 | 4 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 risk around 159 Ruggles 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WESTBOROUGH WATER DEPARTMENT serves 21,567 people · EPA ID MA2328000 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2025 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | Treatment failure resolved · Nov 2025 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 128 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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