Worcester County and Upton Town property record for 165 W River St, Upton, MA 01568 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,680 sqft · built 1989 |
| Lot Size | 1.84 acres (80,150 sqft) |
| Owner | Individual Name on File |
| Last Sale | $555,000 (Dec 2024) |
| Tax Bill | $7,010 (2025) |
| Deeds & Mortgages | Oct 2022 Refinance May 2022 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:031 B:L:008-01 |
| Primary APN | M:031 B:L:008-01 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 1,680 sqft Living Area |
| Gross Area | 2,832 sqft |
| 1st Floor Area | 840 sqft |
| Basement Area | 840 sqft |
| Unfinished Basement | 840 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 80,150 sqft (1.84 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 165 W RIVER ST |
|---|---|
| City | UPTON |
| State | MA |
| Zip | 01568-1403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | 8.01 |
| Jurisdiction | UPTON MA |
| Township / Civil Division | UPTON |
| Census Block Group | 4 |
| Census Block | 4031 |
| Census Tract | 743100 |
Source: Worcester County and Upton Town records · APN M:031 B:L:008-01
Assessment roll updated April 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 165 W RIVER ST, UPTON, MA 01568-1403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Oct 03, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC |
| May 19, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC |
| Apr 07, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance SANTANDER BANK NA |
| Jun 17, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance SANTANDER BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 27, 2024 · Amount on Record |
| Deed Sale | Dec 27, 2024 · Amount on Record |
| Deed Document Number | 2024108276 |
| Deed Book / Page | 71471 / 9 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UPTON MA |
| Property Address | 165 W RIVER ST, UPTON, MA 01568-1403 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00068306-8 |
|---|---|
| Date | Oct 03, 2022 |
| Book Page | 68306/8 |
| Instrument | 108299 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UPTON MA |
| Property Address | 165 W RIVER ST, UPTON, MA 01568-1403 |
| Transaction Type | Mortgage |
| Record Updated | Jun 03, 2022 |
| Name | Verified Name |
|---|
| Document Number | 067617-251 |
|---|---|
| Date | May 19, 2022 |
| Book Page | 67617/251 |
| Instrument | 54808 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UPTON MA |
| Property Address | 165 W RIVER ST, UPTON, MA 01568-1403 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 64878-320 |
|---|---|
| Date | Apr 07, 2021 |
| Book Page | 64878/320 |
| Instrument | 47836 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UPTON MA |
| Property Address | 165 W RIVER ST, UPTON, MA 01568-1403 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 60558-241 |
|---|---|
| Date | Jun 17, 2019 |
| Book Page | 60558/241 |
| Instrument | 55710 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2049 |
Source: Worcester County and Upton Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Upton Town |
| Unified School District | Mendon-Upton School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,010.00 (+4.36%) | $533,100 (+8.57%) Land $252,100 Building $281,000 | $526,775 (+1.58%) |
| 2024 | $6,717.00 (+29.07%) | $491,000 (+30.86%) Land $228,100 Building $262,900 | $518,605 |
| 2023 | $5,204.00 | $375,200 Land $188,100 Building $187,100 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277431004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 3 individual NFIP policies nearby |
| Nearby Flood Policies | 3 in force 3 of 3 on primary residences |
| Nearby Flood Claims | 1 (1979) |
| Most Recent Claim | Jan 1979, tidal / storm surge |
| Wildfire Risk | Low above 32% of the US · above 98% of Massachusetts |
|---|---|
| Wildfire Likelihood | About 1 in 5,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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