165 Lake Ave, Worcester, MA 01604 Property Records

Worcester County and Worcester City property record for 165 Lake Ave, Worcester, MA 01604

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 5,734 sqft · built 1978
Lot Size	0.54 acres (23,534 sqft)
Owner	2 Individual Names on Record
Tax Bill	$16,356 (2026)
Deeds & Mortgages	Sep 2023 Refinance Jun 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`17-028-00003`

Property Details

APN / Parcel Number

Primary APN	`17-028-00003`
Alternative APN	`WORC M:17 B:028 L:00003`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	5,734 sqft Living Area
Gross Area	8,602 sqft
1st Floor Area	2,858 sqft
Basement Area	2,370 sqft
Unfinished Basement	1,878 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1998
Architectural Style	Contemporary
Exterior Material	Combination
Construction Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	23,534 sqft (0.54 acres)
Garage Type	Basement
Pool Type	In-Ground Pool
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	17-028-00003
Street Address	165 LAKE AVE
City	WORCESTER
State	MA
Zip	01604-1137
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL-7
Legal Subdivision	LAND 165-175 LAKE AVE WORCESTE
Legal Block	28
Legal Lot Number	3
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	1
Census Block	1005
Census Tract	732201

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	165 LAKE AVE, WORCESTER, MA 01604-1137
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance HOMEFIELD CREDIT UNION
Jun 9, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	165 LAKE AVE, WORCESTER, MA 01604-1137
Transaction Type	Mortgage
Record Updated	Oct 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069704-141
Date	Sep 29, 2023
Book Page	69704/141
Instrument	81353

Lender

Name	HOMEFIELD CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	165 LAKE AVE, WORCESTER, MA 01604-1137
Document Number	57307-206
Book / Page	057307 / 000206
Instrument Date	Jun 9, 2017
Transaction Type	Mortgage
Record Updated	Jul 11, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust

Mortgage

Document Number	57307-206
Date	Jun 23, 2017
Book Page	057307/000206
Instrument	65413

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$16,356.00 (+3.04%)	$1,231,600 (+2.34%) Land $446,400 Building $785,200	$997,954 (-27.55%)
2025	$15,873.00 (+5.67%)	$1,203,400 (+14.88%) Land $424,400 Building $779,000	$1,377,500 (+40.02%)
2024			$983,820
2023	$15,021.00	$1,047,512 Land $362,112 Building $685,400

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 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

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 329 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 Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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