185 Narrow Ln, Phillipston (Athol), MA 01331 Property Records

Worcester County and Phillipston Town property record for 185 Narrow Ln, Phillipston, MA 01331

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,492 sqft · built 1988
Lot Size	1.83 acres (80,000 sqft)
Owner	2 Individual Names on File
Last Sale	$260,925 (Aug 2023)
Tax Bill	$3,830 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Oct 2024 Refinance + 1 more
APN	`PHIL M:00010 L:0001C`

Property Details

APN / Parcel Number

Primary APN	`PHIL M:00010 L:0001C`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,492 sqft Living Area
Gross Area	3,450 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	80,000 sqft (1.83 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	185 NARROW LN
City	PHILLIPSTON
State	MA
Zip	01331-9458
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	1C
Jurisdiction	PHILLIPSTON MA
Township / Civil Division	PHILLIPSTON
Census Block Group	1
Census Block	1062
Census Tract	704201

Owner

Source: Worcester County and Phillipston Town records · APN PHIL M:00010 L:0001C

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	185 NARROW LN, PHILLIPSTON, MA 01331-9458
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 08, 2025	Deed of Trust, Mortgage · Line of Credit GFA FEDERAL CREDIT UNION
Oct 29, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance GUILD MORTGAGE CO
Aug 15, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 15, 2023 · Amount on Record
Deed Sale	Aug 15, 2023 · Amount on Record
Prior Sale	May 14, 1991 · Amount on Record
Deed Book / Page	69519 / 64
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PHILLIPSTON MA
Property Address	185 NARROW LN, PHILLIPSTON, MA 01331-9458
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072501-308
Date	Sep 08, 2025
Book Page	72501/308
Instrument	76207

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Oct 01, 2045

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PHILLIPSTON MA
Property Address	185 NARROW LN, PHILLIPSTON, MA 01331-9458
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071217-197
Date	Oct 29, 2024
Book Page	71217/197
Instrument	89115

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2054

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PHILLIPSTON MA
Recording Date	Aug 15, 2023
Property Address	185 NARROW LN, PHILLIPSTON, MA 01331-9458
Document Number	0069519-64
Book / Page	69519 / 64
Instrument Date	Aug 15, 2023
Instrument	66948
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	Tenants by the Entirety
Address	185 NARROW LN, PHILLIPSTON, MA 01331-9458

Mortgage

Document Number	0000066949
Date	Aug 15, 2023
Instrument	66949

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0069519-91
Date	Aug 15, 2023
Book Page	69519/91
Instrument	66950

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	181 Months
Due	Sep 01, 2038

Tax Assessment & Valuation

Source: Worcester County and Phillipston Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,830.00 (-0.34%)	$339,800 (+5.92%) Land $50,400 Building $289,400	$326,325 (+7.78%)
2024	$3,843.00 (-0.49%)	$320,800 (+6.65%) Land $48,000 Building $272,800	$302,765
2023	$3,862.00	$300,800 Land $48,000 Building $252,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 30, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 11 locations within half a mile of this property.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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