174 Armsby Rd, Sutton, MA 01590 Property Records

Worcester County and Sutton Town property record for 174 Armsby Rd, Sutton, MA 01590

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,220 sqft · built 1975
Lot Size	1.59 acres (69,260 sqft)
Owner	2 Individual Names on File
Last Sale	$310,000 (Oct 2009)
Tax Bill	$6,567 (2026)
Deeds & Mortgages	Feb 2022 Refinance Aug 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`SUTT M:0018 P:51`

Property Details

APN / Parcel Number

Primary APN	`SUTT M:0018 P:51`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,220 sqft Living Area
Gross Area	2,668 sqft
1st Floor Area	1,220 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	69,260 sqft (1.59 acres)
Pool Type	In-Ground Pool
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	174 ARMSBY RD
City	SUTTON
State	MA
Zip	01590-2934
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Jurisdiction	SUTTON MA
Township / Civil Division	SUTTON
Census Block Group	1
Census Block	1031
Census Tract	751101

Owner

174 Armsby Rd is owned and occupied by two individuals who bought it in October 2009.

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

Owner of Record	2 Individual Names on File
Mailing Address	174 ARMSBY RD, SUTTON, MA 01590-2934
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 9, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance HANSCOM FCU
Aug 6, 2020	Deed of Trust, Mortgage · Line of Credit HANSCOM FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2009 · Amount on File
Deed Sale	Oct 27, 2009 · Amount on File
Prior Sale	Aug 16, 2006 · Amount on File
Deed Document Number	2009126999
Deed Book / Page	45016 / 126
Transfer Doc	40414-114
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUTTON MA
Property Address	174 ARMSBY RD, SUTTON, MA 01590-2934
Transaction Type	Mortgage
Record Updated	Feb 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00067095-3
Date	Feb 9, 2022
Book Page	67095/3
Instrument	16151

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Mar 1, 2032

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUTTON MA
Property Address	174 ARMSBY RD, SUTTON, MA 01590-2934
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62963-271
Date	Aug 6, 2020
Book Page	62963/271
Instrument	86796

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 174 Armsby Rd was $6,567, up 1.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,567.00 (+1.53%)	$568,600 (+5.67%) Land $199,000 Building $369,600	$537,808 (-1.9%)
2025	$6,468.00 (+4.1%)	$538,100 (+9.82%) Land $183,200 Building $354,900	$548,245
2024	$6,213.00 (+2.44%)	$490,000 (+11.9%) Land $175,200 Building $314,800
2023	$6,065.00	$437,900 Land $158,700 Building $279,200

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

Flood

FEMA maps place 174 Armsby Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.

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	1 in force
Nearby Flood Claims	1 (2008)
Most Recent Claim	Apr 2008 · 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

Wildfire risk around 174 Armsby Rd 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	None beyond ember reach

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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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