172 River Rd W, Berlin, MA 01503 Property Records

Worcester County and Berlin Town property record for 172 River Rd W, Berlin, MA 01503

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,610 sqft · built 2011
Lot Size	1.86 acres (81,307 sqft)
Owner	2 Individual Names on File
Last Sale	$975,000 (Sep 2023)
Tax Bill	$119 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Sep 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7.0-0028-0001.0`

Property Details

APN / Parcel Number

Primary APN	`7.0-0028-0001.0`
Alternative APNs	`BERL M:0070 B:0028 L:0001-0` `M:0070 B:0028 L:0001=0`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,610 sqft Living Area
Gross Area	6,764 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	81,307 sqft (1.86 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7.0-0028-0001.0
Street Address	172 RIVER RD W
City	BERLIN
State	MA
Zip	01503-1647
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	28
Legal Lot Number	1-0
Jurisdiction	BERLIN MA
Township / Civil Division	BERLIN
Census Block Group	1
Census Block	1014
Census Tract	717100

Owner

172 River Rd W is owned and occupied by two individuals who bought it in September 2023.

Source: Worcester County and Berlin Town records, as of April 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	172 RIVER RD W, BERLIN, MA 01503-1647
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Sep 28, 2023	Deed, Transfer · Stand-Alone First Mortgage AVIDIA BANK
Sep 7, 2017	Deed of Trust, Mortgage · Line of Credit CENTRAL ONE FCU
Nov 25, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CENTRAL ONE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2023 · Amount on File
Deed Sale	Sep 28, 2023 · Amount on File
Prior Sale	Jun 15, 2012 · Amount on File
Deed Book / Page	69695 / 83
Record Updated	Oct 29, 2026

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BERLIN MA
Recording Date	Sep 28, 2023
Property Address	172 RIVER RD W, BERLIN, MA 01503-1647
Document Number	0069695-83
Book / Page	69695 / 83
Instrument Date	Sep 28, 2023
Instrument	80704
Transaction Type	Transfer
Record Updated	Oct 13, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	172 RIVER RD W, BERLIN, MA 01503-1647

Mortgage

Document Number	0000080705
Date	Sep 28, 2023
Instrument	80705

Lender

Name	AVIDIA BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Oct 1, 2028
Max Rate At Change	2.75%
Index	3-Year CMT

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERLIN MA
Property Address	172 RIVER RD W, BERLIN, MA 01503-1647
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57696-29
Date	Sep 7, 2017
Book Page	57696/29
Instrument	98245

Lender

Name	CENTRAL ONE FCU
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2047

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERLIN MA
Property Address	172 RIVER RD W, BERLIN, MA 01503-1647
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63835-242
Date	Nov 25, 2020
Book Page	63835/242
Instrument	145222

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 172 River Rd W was $119, down 98.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$119.00 (-98.89%)	$843,300 (+0.25%) Land $267,400 Building $575,900	$910,670
2024	$10,725.00 (+11.07%)	$841,200 (+20.57%) Land $267,400 Building $573,800
2023	$9,656.00	$697,700 Land $232,200 Building $465,500

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

Flood

FEMA maps place 172 River Rd W in Zone X, an area of minimal flood risk, within 100 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 AE, within 100 ft
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 172 River Rd W 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 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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