Worcester County and Sterling Town property record for 18 Cole Rd, Sterling, MA 01564
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,757 sqft · built 1996 |
| Lot Size | 1.07 acres (46,609 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $215,000 (Aug 2000) |
| Tax Bill | $8,420 (2026) |
| Deeds & Mortgages | Sep 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | STER M:00009 L:00031 |
| Primary APN | STER M:00009 L:00031 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,757 sqft Living Area |
| Gross Area | 3,740 sqft |
| Basement Area | 1,112 sqft |
| Unfinished Basement | 1,112 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 46,609 sqft (1.07 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 18 COLE RD |
|---|---|
| City | STERLING |
| State | MA |
| Zip | 01564-2237 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RRF |
| Legal Lot Number | 31 |
| Jurisdiction | STERLING MA |
| Township / Civil Division | STERLING |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 719100 |
Source: Worcester County and Sterling 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 | Individual Name on Record |
|---|---|
| Mailing Address | 18 COLE RD, STERLING, MA 01564-2237 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 15, 2000 · Amount on Record |
| Deed Sale | Aug 15, 2000 · Amount on Record |
| Prior Sale | Jun 2, 1998 · Amount on Record |
| Deed Book / Page | 22896 / 375 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STERLING MA |
| Property Address | 18 COLE RD, STERLING, MA 01564-2237 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 59414-339 |
|---|---|
| Date | Sep 17, 2018 |
| Book Page | 59414/339 |
| Instrument | 98154 |
| Name | DITECH FINANCIAL LLC |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 1, 2048 |
Source: Worcester County and Sterling Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Sterling Town |
| Unified School District | Wachusett School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,420.00 (+5.53%) | $670,900 (+8.3%) Land $180,800 Building $490,100 | $645,525 (-) |
| 2025 | $7,979.00 (+7.27%) | $619,500 (+10.86%) Land $156,500 Building $463,000 | $645,525 (+0.82%) |
| 2024 | $7,438.00 (+1.47%) | $558,800 (+9.01%) Land $151,200 Building $407,600 | $640,300 |
| 2023 | $7,330.00 | $512,600 Land $143,400 Building $369,200 |
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 |
|---|---|
| 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 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | STERLING WATER DEPARTMENT serves 6,814 people · EPA ID MA2282000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 9 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Feb 2024 |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
May also be available: T-Mobile.
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