168 Flagg St, Worcester, MA 01609 Property Records

Worcester County and Worcester City property record for 168 Flagg St, Worcester, MA 01609

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,608 sqft · built 1930
Lot Size	0.222 acres (9,673 sqft)
Owner	2 Individual Names on Record
Last Sale	$365,000 (Jan 2010)
Tax Bill	$7,834 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Feb 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25-029-00015`

Property Details

APN / Parcel Number

Primary APN	`25-029-00015`
Alternative APN	`WORC M:25 B:029 L:00015`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,608 sqft Living Area
Gross Area	4,962 sqft
1st Floor Area	1,511 sqft
Attic	Attic
Attic Area	910 sqft
Basement Area	910 sqft
Unfinished Basement	910 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,673 sqft (0.222 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water

Location & Zoning

Account Number	25-029-00015
Street Address	168 FLAGG ST
City	WORCESTER
State	MA
Zip	01609-1261
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-10
Legal Block	29
Legal Lot Number	15
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	1
Census Block	1000
Census Tract	730801

Owner

Source: Worcester County and Worcester City records, as of July 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	168 FLAGG ST, WORCESTER, MA 01609-1261
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage BAY STATE SAVINGS BANK
Feb 22, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) BAY STATE SAVINGS BANK
Sep 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BAY STATE SAVINGS BANK
Jul 6, 2017	Deed of Trust, Mortgage · Line of Credit BAY STATE BANK
Jul 22, 2019	Deed of Trust, Mortgage · Balloon Mortgage BAY STATE SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2010 · Amount on Record
Deed Sale	Jan 4, 2010 · Amount on Record
Prior Sale	Aug 28, 2009 · Amount on Record
Deed Document Number	2010184
Deed Book / Page	45308 / 294
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Recording Date	Jul 8, 2026
Property Address	168 FLAGG ST, WORCESTER, MA 01609-1261
Document Number	0000057082
Book / Page	73844 / 74
Instrument Date	Jul 1, 2026
Instrument	202657082
Transaction Type	Mortgage
Record Updated	Jul 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	168 FLAGG ST, WORCESTER, MA 01609-1261

Mortgage

Document Number	0000057082,
Date	Jul 8, 2026
Book Page	73844/74
Instrument	202657082

Lender

Name	BAY STATE SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2046

Interest

Rate	6.48%
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	168 FLAGG ST, WORCESTER, MA 01609-1261
Transaction Type	Mortgage
Record Updated	Mar 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070218-105
Date	Feb 22, 2024
Book Page	70218/105
Instrument	13096

Lender

Name	BAY STATE SAVINGS BANK

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	Mar 1, 2034

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	168 FLAGG ST, WORCESTER, MA 01609-1261
Transaction Type	Mortgage
Record Updated	Oct 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66147-255
Date	Sep 27, 2021
Book Page	66147/255
Instrument	134704

Lender

Name	BAY STATE SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	168 FLAGG ST, WORCESTER, MA 01609-1261
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57377-197
Date	Jul 6, 2017
Book Page	57377/197
Instrument	71186

Lender

Name	BAY STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2037

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	168 FLAGG ST, WORCESTER, MA 01609-1261
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60742-60
Date	Jul 22, 2019
Book Page	60742/60
Instrument	70576

Lender

Name	BAY STATE SAVINGS BANK

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2039

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
2025	$7,834.00 (+6.74%)	$593,900 (+16.04%) Land $125,700 Building $468,200	$739,480 (+5.16%)
2024			$703,190
2023	$7,339.00	$511,800 Land $107,200 Building $404,600

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1979)
Most Recent Claim	Jan 1979 · 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

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	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 167 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: Netafy, Verizon.

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