18 Gates Rd, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 18 Gates Rd, Sterling, MA 01564

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,486 sqft · built 1916
Lot Size	8.37 acres (364,597 sqft)
Owner	2 Individual Names on Record
Last Sale	$535,000 (Sep 2020)
Tax Bill	$8,873 (2026)
Deeds & Mortgages	Jan 2021 Line of Credit Dec 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`STER M:00136 L:00001`

Property Details

APN / Parcel Number

Primary APN	`STER M:00136 L:00001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,486 sqft Living Area
Gross Area	4,304 sqft
Basement Area	878 sqft
Unfinished Basement	878 sqft

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Architectural Style	Cape Cod
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	364,597 sqft (8.37 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	18 GATES RD
City	STERLING
State	MA
Zip	01564-1407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RRF
Legal Lot Number	1
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	4
Census Block	4024
Census Tract	719100

Owner

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	2 Individual Names on Record
Mailing Address	18 GATES RD, STERLING, MA 01564-1407
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2021	Deed of Trust, Mortgage · Line of Credit DIGITAL FCU
Dec 16, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER FIRST FEDERAL CREDIT UNION
Sep 22, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2020 · Amount on Record
Deed Sale	Sep 22, 2020 · Amount on Record
Prior Sale	Jun 2, 2015 · Amount on Record
Deed Book / Page	63316 / 95
Prior Transfer Date	Sep 15, 2020
Prior Transfer Doc	63316-95
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	18 GATES RD, STERLING, MA 01564-1407
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064199-111
Date	Jan 11, 2021
Book Page	64199/111
Instrument	4341

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	469 Months
Due	Feb 1, 2060

Interest

Rate Type	Adjustable Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	18 GATES RD, STERLING, MA 01564-1407
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	061592-253
Date	Dec 16, 2019
Book Page	61592/253
Instrument	135920

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	193 Months
Due	Jan 1, 2036

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	Sep 22, 2020
Property Address	18 GATES RD, STERLING, MA 01564-1407
Document Number	63316-95
Book / Page	63316 / 95
Instrument Date	Sep 15, 2020
Instrument	110131
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	GATES RD, STERLING, MA

Mortgage

Document Number	110132
Date	Sep 22, 2020
Instrument	110132

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,873.00 (+6.39%)	$707,000 (+9.19%) Land $244,100 Building $462,900	$654,360 (-)
2025	$8,340.00 (+5.28%)	$647,500 (+8.79%) Land $211,100 Building $436,400	$654,360 (+1.58%)
2024	$7,922.00 (+1.36%)	$595,200 (+8.89%) Land $211,100 Building $384,100	$644,195
2023	$7,816.00	$546,600 Land $204,700 Building $341,900

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2026 · 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 86% of Massachusetts
Wildfire Likelihood	Under 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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