18 Otsego Rd, Worcester, MA 01609 Property Records

Worcester County and Worcester City property record for 18 Otsego Rd, Worcester, MA 01609

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,345 sqft · built 1922
Lot Size	0.297 acres (12,943 sqft)
Owner	Trust Name on Record
Last Sale	$520,000 (Oct 2016)
Tax Bill	$11,101 (2026)
Deeds & Mortgages	Nov 2021 Refinance Nov 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-001-00003`

Property Details

APN / Parcel Number

Primary APN	`20-001-00003`
Alternative APN	`WORC M:20 B:001 L:00003`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,345 sqft Living Area
Gross Area	6,689 sqft
1st Floor Area	1,520 sqft
Basement Area	1,520 sqft
Unfinished Basement	60 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,943 sqft (0.297 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	20-001-00003
Street Address	18 OTSEGO RD
City	WORCESTER
State	MA
Zip	01609-1735
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-10
Legal Block	1
Legal Lot Number	3
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	5
Census Block	5007
Census Tract	730600

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Trust Name on Record
Mailing Address	18 OTSEGO RD, WORCESTER, MA 01609-1735
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PNC BANK NA
Nov 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PNC BANK NA
Dec 23, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2016 · Amount on Record
Deed Sale	Oct 28, 2016 · Amount on Record
Prior Sale	Apr 5, 2012 · Amount on Record
Deed Book / Page	56215 / 152
Last Transfer Date	Dec 17, 2020
Transfer Doc	64060-202
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	18 OTSEGO RD, WORCESTER, MA 01609-1735
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066473-372
Date	Nov 8, 2021
Book Page	66473/372
Instrument	156383

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	18 OTSEGO RD, WORCESTER, MA 01609-1735
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66473-372
Date	Nov 8, 2021
Book Page	66473/372
Instrument	156383

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Dec 23, 2020
Property Address	18 OTSEGO RD, WORCESTER, MA 01609-1735
Document Number	64060-202
Book / Page	064060 / 000202
Instrument Date	Dec 17, 2020
Instrument	160855
Transaction Type	Transfer
Record Updated	Jan 12, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	18 OTSEGO RD #R WORCESTER MA 016091735, R, WORCESTER, MA 01609-1735

Tax Assessment & Valuation

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	$11,101.00 (+2.32%)	$835,900 (+1.63%) Land $129,800 Building $706,100	$791,736 (-4.36%)
2025	$10,849.00 (+6.53%)	$822,500 (+15.81%) Land $123,700 Building $698,800	$827,830 (+1.37%)
2024			$816,620
2023	$10,184.00	$710,200 Land $106,500 Building $603,700

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

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 99.1% of the US · lower than 98.7% 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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Netafy.

Cell Coverage

5G (outdoors only) and 4G LTE

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