16 Merchant St, Worcester, MA 01603 Property Records

Worcester County and Worcester City property record for 16 Merchant St, Worcester, MA 01603

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,292 sqft · built 2003
Lot Size	0.11 acres (4,806 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Jul 2026)
Tax Bill	$4,915 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-009-0001L`

Property Details

APN / Parcel Number

Primary APN	`15-009-0001L`
Alternative APN	`WORC M:15 B:009 L:0001L`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,292 sqft Living Area
Gross Area	2,066 sqft
1st Floor Area	626 sqft
Basement Area	119 sqft
Unfinished Basement	119 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,806 sqft (0.11 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	15-009-0001L
Street Address	16 MERCHANT ST
City	WORCESTER
State	MA
Zip	01603-1216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL-7
Legal Block	9
Legal Lot Number	1L
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	1
Census Block	1012
Census Tract	731001

Owner

16 Merchant St is owned and occupied by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	16 MERCHANT ST, WORCESTER, MA 01603-1216
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 16, 2026	Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE AFFINITY LLC
Jun 1, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage KEY BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2026 · Amount on File
Deed Sale	Jul 16, 2026 · Amount on File
Prior Sale	Jun 1, 2021 · Amount on File
Deed Document Number	202660065
Deed Book / Page	73887 / 260
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MA
Recording Date	Jul 16, 2026
Property Address	16 MERCHANT ST, WORCESTER, MA 01603-1216
Document Number	0000060065
Book / Page	73887 / 260
Instrument Date	Jun 25, 2026
Instrument	202660065
Transaction Type	Transfer
Record Updated	Aug 5, 2026

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
Relationship	Joint Tenants
Address	16 MERCHANT ST, WORCESTER, MA 01603-1216

Mortgage

Date	Jul 16, 2026

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate	6.48%
Max Rate	-1%

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Jun 1, 2021
Property Address	16 MERCHANT ST, WORCESTER, MA 01603-1216
Document Number	65294-394
Book / Page	65294 / 394
Instrument Date	Jun 1, 2021
Instrument	75837
Transaction Type	Transfer
Record Updated	Jun 18, 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	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	16 MERCHANT ST, WORCESTER, MA 01603-1216

Mortgage

Document Number	75841
Date	Jun 1, 2021
Instrument	75841

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	2%
Type Change Date	Jun 1, 2028
Max Rate At Change	3%
Index	Other
Margin	3

Tax Assessment & Valuation

The 2026 property tax bill for 16 Merchant St was $4,915, up 5.1% 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	$4,915.00 (+5.07%)	$370,090 (+4.36%) Land $83,890 Building $286,200	$397,728
2025	$4,678.00	$354,642 Land $78,942 Building $275,700
2023	$4,238.00	$295,550 Land $68,650 Building $226,900

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

Flood

FEMA maps place 16 Merchant St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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	1 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2011 · 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 16 Merchant 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.

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 407 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

May also be available: T-Mobile.

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