165 South St, Upton, MA 01568 Property Records

Worcester County and Upton Town property record for 165 South St, Upton, MA 01568

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 3,064 sqft · built 2001
Lot Size	1.86 acres (81,022 sqft)
Owner	Individual Name on File
Last Sale	$5,000 (Feb 2025)
Tax Bill	$11,127 (2026)
Deeds & Mortgages	Oct 2022 Mortgage Nov 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:032 B:L:001-04`

Property Details

APN / Parcel Number

Primary APN	`M:032 B:L:001-04`
Alternative APNs	`UPTO M:032 L:001.04` `2166`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	3,064 sqft Living Area
Gross Area	6,324 sqft
1st Floor Area	1,340 sqft
Basement Area	1,328 sqft
Unfinished Basement	1,328 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	81,022 sqft (1.86 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	165 SOUTH ST
City	UPTON
State	MA
Zip	01568-1404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	5
Legal Subdivision	UPTON FUEL & CONSTRUCTION INC
Legal Lot Number	1.04
Jurisdiction	UPTON MA
Township / Civil Division	UPTON
Census Block Group	4
Census Block	4032
Census Tract	743100

Owner

165 South St is owned and occupied by an individual who bought it in February 2025.

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

Owner of Record	Individual Name on File
Mailing Address	165 SOUTH ST, UPTON, MA 01568-1404
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Oct 31, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) MILFORD FSB
Nov 2, 2022	Quit Claim Deed, Transfer
Jun 3, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance SANTANDER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 18, 2025 · Amount on File
Deed Sale	Feb 18, 2025 · Amount on File
Prior Sale	Nov 2, 2022 · Amount on File
Deed Document Number	202513011
Prior Transfer Date	Feb 13, 2025
Prior Transfer Doc	071650-278
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UPTON MA
Property Address	165 SOUTH ST, UPTON, MA 01568-1404
Transaction Type	Mortgage
Record Updated	Nov 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068423-217
Date	Oct 31, 2022
Book Page	68423/217
Instrument	117451

Lender

Name	MILFORD FSB
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2042

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UPTON MA
Recording Date	Nov 2, 2022
Property Address	165 SOUTH ST, UPTON, MA 01568-1404
Document Number	068440-373
Book / Page	68440 / 373
Instrument Date	Oct 2, 2022
Instrument	118784
Transaction Type	Transfer
Record Updated	Nov 18, 2022

Transaction

Amount	Amount 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
Address	165 SOUTH ST, UPTON, MA 01568-1404

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UPTON MA
Property Address	165 SOUTH ST, UPTON, MA 01568-1404
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62522-64
Date	Jun 3, 2020
Book Page	62522/64
Instrument	57417

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 165 South St was $11,127, up 0.9% from the year before.

Source: Worcester County and Upton Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Upton Town
Unified School District	Mendon-Upton School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,127.00 (+0.9%)	$850,700 (+1.44%) Land $296,300 Building $554,400	$893,227 (+25.18%)
2025	$11,028.00 (+0.08%)	$838,600 (+4.11%) Land $296,300 Building $542,300	$713,545 (+9.76%)
2024	$11,019.00 (+32.28%)	$805,500 (+34.12%) Land $288,300 Building $517,200	$650,085
2023	$8,330.00	$600,600 Land $214,700 Building $385,900

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

Flood

FEMA maps place 165 South St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Jan 1979 · tidal / storm surge

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 165 South St is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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