Worcester County and Lancaster Town property record for 185 Sterling Rd, Lancaster, MA 01523
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,399 sqft · built 1965 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $550,250 (Feb 2024) |
| Tax Bill | $7,844 (2025) |
| Deeds & Mortgages | Feb 2024 Sale & Mortgage Nov 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | LANC M:041.0 B:0000 L:0022.0 |
| Primary APN | LANC M:041.0 B:0000 L:0022.0 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,399 sqft Living Area |
| 1st Floor Area | 1,399 sqft |
| Basement Area | 1,239 sqft |
| Unfinished Basement | 150 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 19,602 sqft (0.45 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 185 STERLING RD |
|---|---|
| City | LANCASTER |
| State | MA |
| Zip | 01523-2900 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | 22.0 |
| Jurisdiction | LANCASTER MA |
| Township / Civil Division | LANCASTER |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 713100 |
185 Sterling Rd is owned and occupied by two individuals who bought it in February 2024.
Source: Worcester County and Lancaster Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 185 STERLING RD, LANCASTER, MA 01523-2900 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Feb 15, 2024 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA |
| Nov 3, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Jan 12, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 15, 2024 · Amount on File |
| Deed Sale | Feb 15, 2024 · Amount on File |
| Prior Sale | Oct 25, 1999 · Amount on File |
| Deed Document Number | 202411651 |
| Deed Book / Page | 70199 / 240 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LANCASTER MA |
| Recording Date | Feb 15, 2024 |
| Property Address | 185 STERLING RD, LANCASTER, MA 01523-2900 |
| Document Number | 070199-240 |
| Book / Page | 70199 / 240 |
| Instrument Date | Feb 15, 2024 |
| Instrument | 11651 |
| Transaction Type | Transfer |
| Record Updated | Mar 1, 2024 |
| 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 |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 185 STERLING RD, LANCASTER, MA 01523-2900 |
| Document Number | 0000011654 |
|---|---|
| Date | Feb 15, 2024 |
| Instrument | 11654 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 185 STERLING RD, LANCASTER, MA 01523-2900 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 66451-130 |
|---|---|
| Date | Nov 3, 2021 |
| Book Page | 66451/130 |
| Instrument | 154776 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 185 STERLING RD, LANCASTER, MA 01523-2900 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 64206-69 |
|---|---|
| Date | Jan 12, 2021 |
| Book Page | 64206/69 |
| Instrument | 4754 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Feb 1, 2050 |
The 2025 property tax bill for 185 Sterling Rd was $7,844.
Source: Worcester County and Lancaster Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Lancaster Town |
| Unified School District | Nashoba School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,844.00 | $485,400 Land $107,300 Building $378,100 | $565,535 (+10.36%) |
| 2024 | $512,430 | ||
| 2023 | $7,335.00 | $426,700 Land $90,800 Building $335,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 185 Sterling Rd in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1978.
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 |
| Flood Insurance Cost | Premium on File median of 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 9 (1978–2010) |
| Claims Outside the SFHA | 2 of 9 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 185 Sterling Rd is low, with 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LANCASTER WATER DEPARTMENT serves 6,000 people · EPA ID MA2147000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2026 |
| Lead | 17 ppb (2024–2026) 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.
Source: FCC Broadband Data Collection, based on 130 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
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