Worcester County and Worcester City property record for 185 Clover St, Worcester, MA 01603
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,032 sqft · built 1890 |
| Lot Size | 0.853 acres (37,152 sqft) |
| Owner | Individual Name on File |
| Last Sale | $344,000 (Sep 2020) |
| Tax Bill | $5,267 (2026) |
| Deeds & Mortgages | Jul 2023 Mortgage Sep 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-027-00012 |
| Primary APN | 28-027-00012 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,032 sqft Living Area |
| Gross Area | 4,299 sqft |
| 1st Floor Area | 1,024 sqft |
| Attic | Attic |
| Attic Area | 1,008 sqft |
| Basement Area | 1,008 sqft |
| Unfinished Basement | 1,008 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 37,152 sqft (0.853 acres) |
| Garage Type | Basement |
| Heating System | Electric |
|---|
| Account Number | 28-027-00012 |
|---|---|
| Street Address | 185 CLOVER ST |
| City | WORCESTER |
| State | MA |
| Zip | 01603-1310 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-7 |
| Legal Block | 27 |
| Legal Lot Number | 12 |
| Jurisdiction | WORCESTER MA |
| Township / Civil Division | WORCESTER |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 733101 |
185 Clover St is owned and occupied by an individual who bought it in September 2020.
Source: Worcester County and Worcester City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 185 CLOVER ST, WORCESTER, MA 01603-1310 |
| 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.
| Date | Document |
|---|---|
| Jul 31, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) DISCOVER BANK |
| Sep 30, 2020 | Quit Claim Deed, Transfer · FHA Mortgage ARC HOME LLC |
| May 13, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 30, 2020 · Amount on File |
| Deed Sale | Sep 30, 2020 · Amount on File |
| Deed Document Number | 2020114894 |
| Deed Book / Page | 63388 / 385 |
| Prior Transfer Date | Sep 14, 2020 |
| Prior Transfer Doc | 63388-385 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 185 CLOVER ST, WORCESTER, MA 01603-1310 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 069457-104 |
|---|---|
| Date | Jul 31, 2023 |
| Book Page | 69457/104 |
| Instrument | 62217 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2038 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WORCESTER MA |
| Recording Date | Sep 30, 2020 |
| Property Address | 185 CLOVER ST, WORCESTER, MA 01603-1310 |
| Document Number | 63388-385 |
| Book / Page | 63388 / 385 |
| Instrument Date | Sep 14, 2020 |
| Instrument | 114894 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 185 CLOVER ST, WORCESTER, MA 01603-1310 |
| Document Number | 114895 |
|---|---|
| Date | Sep 30, 2020 |
| Instrument | 114895 |
| Name | ARC HOME LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 185 CLOVER ST, WORCESTER, MA 01603-1310 |
| Document Number | 57160-294 |
| Instrument Date | May 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2018 |
| Name | Verified Name |
|---|
| Document Number | 57160-294 |
|---|---|
| Date | May 24, 2017 |
| Book Page | 057160/000294 |
| Instrument | 52832 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 23, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 185 Clover St was $5,267, up 4.2% from the year before.
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 | $5,267.00 (+4.21%) | $396,600 (+3.5%) Land $111,300 Building $285,300 | $433,351 (-10.99%) |
| 2025 | $5,054.00 | $383,200 Land $100,800 Building $282,400 | $486,875 (+8.74%) |
| 2024 | $447,735 | ||
| 2023 | $4,665.00 | $325,300 Land $87,900 Building $237,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 185 Clover 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 risk around 185 Clover St is low, with less than a 0.01% annual chance of 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 | Direct burnable vegetation |
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 365 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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