18 Kalmar St, Worcester, MA 01606 Property Records

Worcester County and Worcester City property record for 18 Kalmar St, Worcester, MA 01606

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,162 sqft · built 1933
Lot Size	0.117 acres (5,100 sqft)
Owner	Individual Name on File
Last Sale	$316,900 (Jan 2023)
Tax Bill	$4,949 (2026)
Deeds & Mortgages	Aug 2021 Refinance Jan 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-005-00012`

Property Details

APN / Parcel Number

Primary APN	`12-005-00012`
Alternative APN	`WORC M:12 B:005 L:00012`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,162 sqft Living Area
Gross Area	2,283 sqft
1st Floor Area	811 sqft
Basement Area	552 sqft
Unfinished Basement	552 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1933
Effective Year Built	Effective 1933
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,100 sqft (0.117 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam

Location & Zoning

Account Number	12-005-00012
Street Address	18 KALMAR ST
City	WORCESTER
State	MA
Zip	01606-2315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL-7
Legal Block	5
Legal Lot Number	12
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	4
Census Block	4004
Census Tract	730300

Owner

18 Kalmar St is owned and occupied by an individual who bought it in January 2023.

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

Owner of Record	Individual Name on File
Mailing Address	18 KALMAR ST, WORCESTER, MA 01606-2315
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
Aug 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP
Jan 30, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage DREW MORTGAGE ASSOCIATES INC
Aug 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP
Jun 26, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HUNT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2023 · Amount on File
Deed Sale	Jan 30, 2023 · Amount on File
Prior Sale	Jun 26, 2019 · Amount on File
Deed Book / Page	68781 / 212
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	18 KALMAR ST, WORCESTER, MA 01606-2315
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065795-225
Date	Aug 9, 2021
Book Page	65795/225
Instrument	111210

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

January 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Jan 30, 2023
Property Address	18 KALMAR ST, WORCESTER, MA 01606-2315
Document Number	068781-212
Book / Page	68781 / 212
Instrument Date	Jan 30, 2023
Instrument	9267
Transaction Type	Transfer
Record Updated	Feb 17, 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
Address	18 KALMAR ST, WORCESTER, MA 01606-2315

Mortgage

Document Number	0000009268
Date	Jan 30, 2023
Instrument	9268

Lender

Name	DREW MORTGAGE ASSOCIATES INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Type Change Date	Feb 1, 2030
Max Rate At Change	2.75%
Index	1-Year CMT

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	18 KALMAR ST, WORCESTER, MA 01606-2315
Transaction Type	Mortgage
Record Updated	Aug 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	65795-225
Date	Aug 9, 2021
Book Page	65795/225
Instrument	111210

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Jun 26, 2019
Property Address	18 KALMAR ST, WORCESTER, MA 01606-2315
Document Number	60613-238
Book / Page	60613 / 238
Instrument Date	Jun 22, 2019
Instrument	60215
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	METROPOLITAN TITLE AGENCY

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
Address	18 KALMAR ST, WORCESTER, MA 01606-2315

Mortgage

Document Number	60216
Date	Jun 26, 2019
Instrument	60216

Lender

Name	HUNT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 18 Kalmar St was $4,949, up 3% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Worcester City
Unified School District	Worcester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,949.00 (+3%)	$372,700 (+2.31%) Land $103,800 Building $268,900	$384,744 (+3%)
2025	$4,805.00	$364,300 Land $98,900 Building $265,400	$373,540 (+5.78%)
2024			$353,115
2023	$4,520.00	$315,200 Land $86,000 Building $229,200

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

Flood

FEMA maps place 18 Kalmar St in Zone X, an area of minimal flood risk.

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.

Wildfire

The area around 18 Kalmar St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 391 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Netafy.

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