170 W River St, Upton, MA 01568 Property Records

Worcester County and Upton Town property record for 170 W River St, Upton, MA 01568

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 2,864 sqft · built 2018
Lot Size	4.41 acres (192,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$640,000 (Sep 2020)
Tax Bill	$11,136 (2026)
Deeds & Mortgages	Jun 2025 Line of Credit Sep 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:031 B:L:017-02`

Property Details

APN / Parcel Number

Primary APN	`M:031 B:L:017-02`
Alternative APNs	`UPTO M:031 L:017.02` `3189`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,864 sqft Living Area
Gross Area	4,850 sqft
1st Floor Area	1,720 sqft
Basement Area	1,720 sqft
Unfinished Basement	1,720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	192,100 sqft (4.41 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	170 W RIVER ST
City	UPTON
State	MA
Zip	01568-1443
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	5
Legal Lot Number	17.02
Jurisdiction	UPTON MA
Township / Civil Division	UPTON
Census Block Group	4
Census Block	4030
Census Tract	743100

Owner

Source: Worcester County and Upton Town 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	170 W RIVER ST, UPTON, MA 01568-1443
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Sep 18, 2020	Quit Claim Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Aug 16, 2019	Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE
Dec 19, 2018	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2020 · Amount on Record
Deed Sale	Sep 18, 2020 · Amount on Record
Prior Sale	Dec 19, 2018 · Amount on Record
Deed Document Number	2020108296
Deed Book / Page	63287 / 42
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UPTON MA
Property Address	170 W RIVER ST, UPTON, MA 01568-1443
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072065-139
Date	Jun 2, 2025
Book Page	72065/139
Instrument	44022

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Jul 1, 2065

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UPTON MA
Recording Date	Sep 18, 2020
Property Address	170 W RIVER ST, UPTON, MA 01568-1443
Document Number	63287-42
Book / Page	63287 / 42
Instrument Date	Sep 18, 2020
Instrument	108296
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV 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
Relationship	Tenants by the Entirety
Address	170 W RIVER ST, UPTON, MA 01568-1443

Mortgage

Document Number	108297
Date	Sep 18, 2020
Instrument	108297

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UPTON MA
Property Address	170 W RIVER ST, UPTON, MA 01568-1443
Document Number	60915-1
Instrument Date	Aug 16, 2019
Transaction Type	Mortgage
Record Updated	Sep 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	170 W RIVER ST UPTON MA 015681443, UPTON, MA 01568-1443

Mortgage

Document Number	60915-1
Date	Aug 21, 2019
Book Page	060915/000001
Instrument	83966

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2049

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UPTON MA
Recording Date	Dec 19, 2018
Property Address	170 W RIVER ST, UPTON, MA 01568-1443
Document Number	59841-24
Book / Page	059841 / 000024
Instrument Date	Aug 30, 2018
Instrument	134155
Transaction Type	Transfer
Record Updated	Jan 8, 2019

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,417.90
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	170 W RIVER ST UPTON MA 015681443, UPTON, MA 01568-1443

Mortgage

Document Number	59841-28
Date	Dec 19, 2018
Book Page	059841/000028
Instrument	134156

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 18, 2048

Tax Assessment & Valuation

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	$11,136.00 (-0.51%)	$851,400 (+0.02%) Land $267,000 Building $584,400	$873,829 (+2.44%)
2025	$11,193.00 (+3.04%)	$851,200 (+7.19%) Land $267,000 Building $584,200	$853,005 (+3.33%)
2024	$10,863.00 (+28.91%)	$794,100 (+30.69%) Land $243,000 Building $551,100	$825,550
2023	$8,427.00	$607,600 Land $203,000 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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 98.2% 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 30 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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