Worcester County and Worcester City property record for 176 James St, Worcester, MA 01603
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 883 sqft · built 1870 |
| Lot Size | 0.102 acres (4,426 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $171,900 (May 2018) |
| Tax Bill | $3,875 (2026) |
| Deeds & Mortgages | Jun 2021 Mortgage Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-031-00007 |
| Primary APN | 28-031-00007 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 883 sqft Living Area |
| Gross Area | 1,589 sqft |
| 1st Floor Area | 785 sqft |
| Basement Area | 390 sqft |
| Unfinished Basement | 390 sqft |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,426 sqft (0.102 acres) |
| Garage Type | Basement |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 28-031-00007 |
|---|---|
| Street Address | 176 JAMES ST |
| City | WORCESTER |
| State | MA |
| Zip | 01603-1023 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MG-1 |
| Legal Block | 31 |
| Legal Lot Number | 7 |
| Jurisdiction | WORCESTER MA |
| Township / Civil Division | WORCESTER |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 733101 |
Source: Worcester County and Worcester City 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 | 176 JAMES ST, WORCESTER, MA 01603-1023 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 7, 2021 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Jun 7, 2021 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| May 15, 2018 | Quit Claim Deed, Transfer · FHA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 15, 2018 · Amount on Record |
| Deed Sale | May 15, 2018 · Amount on Record |
| Prior Sale | Jul 15, 2004 · Amount on Record |
| Deed Book / Page | 58805 / 255 |
| Transfer Doc | 058805-255 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 176 JAMES ST, WORCESTER, MA 01603-1023 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 065325-260 |
|---|---|
| Date | Jun 7, 2021 |
| Book Page | 65325/260 |
| Instrument | 78118 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jul 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 176 JAMES ST, WORCESTER, MA 01603-1023 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 65325-260 |
|---|---|
| Date | Jun 7, 2021 |
| Book Page | 65325/260 |
| Instrument | 78118 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jul 1, 2046 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WORCESTER MA |
| Recording Date | May 15, 2018 |
| Property Address | 176 JAMES ST, WORCESTER, MA 01603-1023 |
| Document Number | 58805-255 |
| Book / Page | 058805 / 000255 |
| Instrument Date | May 10, 2018 |
| Instrument | 46725 |
| Transaction Type | Transfer |
| Record Updated | Aug 8, 2018 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $783.86 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 176 JAMES ST WORCESTER MA 016031023, WORCESTER, MA 01603-1023 |
| Document Number | 58805-258 |
|---|---|
| Date | May 15, 2018 |
| Book Page | 058805/000258 |
| Instrument | 46726 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 14, 2048 |
Source: Worcester County and Worcester City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Worcester City |
| Unified School District | Worcester School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,875.00 (+3.14%) | $291,800 (+2.46%) Land $79,200 Building $212,600 | $332,054 (+10.82%) |
| 2025 | $3,757.00 (+8.9%) | $284,800 (+18.37%) Land $74,500 Building $210,300 | $299,630 (+5.41%) |
| 2024 | $284,240 | ||
| 2023 | $3,450.00 | $240,600 Land $64,800 Building $175,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025
| 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 |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 94% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 234 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
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