168 Cedar St, Sturbridge, MA 01566 Property Records

Worcester County and Sturbridge Town property record for 168 Cedar St, Sturbridge, MA 01566

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,260 sqft · built 1982
Lot Size	0.76 acres (33,106 sqft)
Owner	Individual Name on File
Last Sale	$304,900 (Oct 2019)
Tax Bill	$8,730 (2026)
Deeds & Mortgages	May 2026 Mortgage May 2023 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`202-02017-168`

Property Details

APN / Parcel Number

Primary APN	`202-02017-168`
Alternative APNs	`STUR M:202 B:000 L:2017-168` `M:202 B:000 L:2017=168`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,260 sqft Living Area
Gross Area	5,194 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	33,106 sqft (0.76 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	202-02017-168
Street Address	168 CEDAR ST
City	STURBRIDGE
State	MA
Zip	01566-1358
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Subdivision	STURBRIDGE
Legal Lot Number	2017
Jurisdiction	STURBRIDGE MA
Township / Civil Division	STURBRIDGE
Census Block Group	2
Census Block	2005
Census Tract	758103

Owner

168 Cedar St is owned and occupied by an individual who bought it in October 2019.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	168 CEDAR ST, STURBRIDGE, MA 01566-1358
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Deed of Trust, Mortgage WEBSTER FIRST FEDERAL CREDIT UNION
May 24, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER FIRST FEDERAL CREDIT UNION
Dec 7, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Oct 1, 2019	Quit Claim Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2019 · Amount on File
Deed Sale	Oct 1, 2019 · Amount on File
Prior Sale	Jun 24, 2011 · Amount on File
Deed Document Number	2019102594
Deed Book / Page	61157 / 137
Prior Transfer Date	Sep 21, 2019
Prior Transfer Doc	61157-137
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STURBRIDGE MA
Recording Date	May 18, 2026
Property Address	168 CEDAR ST, STURBRIDGE, MA 01566-1358
Document Number	073586-189
Book / Page	73586 / 189
Instrument Date	May 12, 2026
Instrument	202638792
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	168 CEDAR ST, STURBRIDGE, MA 01566-1358

Mortgage

Document Number	0000038792,
Date	May 18, 2026
Book Page	73586/189
Instrument	202638792

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Amount	Amount on Record
Term	120 Months
Due	Jun 1, 2036

Interest

Rate	6.3%
Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STURBRIDGE MA
Property Address	168 CEDAR ST, STURBRIDGE, MA 01566-1358
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069167-380
Date	May 24, 2023
Book Page	69167/380
Instrument	39838

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STURBRIDGE MA
Property Address	168 CEDAR ST, STURBRIDGE, MA 01566-1358
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066694-302
Date	Dec 7, 2021
Book Page	66694/302
Instrument	171116

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2053

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STURBRIDGE MA
Recording Date	Oct 1, 2019
Property Address	168 CEDAR ST, STURBRIDGE, MA 01566-1358
Document Number	61157-137
Book / Page	061157 / 000137
Instrument Date	Sep 21, 2019
Instrument	102594
Transaction Type	Transfer
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,390.34
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	168 CEDAR ST STURBRIDGE MA 015661358, STURBRIDGE, MA 01566-1358

Mortgage

Document Number	61157-139
Date	Oct 1, 2019
Book Page	061157/000139
Instrument	102595

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 30, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 168 Cedar St was $8,730, down 7.3% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Sturbridge Town
Elementary School District	Sturbridge School District (PK - 06)
Secondary School District	Tantasqua School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,730.00 (-7.32%)	$559,600 (-5.36%) Land $83,600 Building $476,000	$575,549 (+9.93%)
2025	$9,419.00 (+2.31%)	$591,300 (+5.91%) Land $80,300 Building $511,000	$523,545 (+1.68%)
2024	$9,206.00 (+5.09%)	$558,300 (+15.16%) Land $78,700 Building $479,600	$514,900
2023	$8,760.00	$484,800 Land $68,800 Building $416,000

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

Flood

FEMA maps place 168 Cedar 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	5 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

Wildfire risk around 168 Cedar 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	STURBRIDGE WATER DEPARTMENT serves 4,746 people · EPA ID MA2287000
Water Source	Groundwater influenced by surface water
Last State Inspection	Sep 2024
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Jul 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 61 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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