185 W River St, Upton, MA 01568 Property Records

Worcester County and Upton Town property record for 185 W River St, Upton, MA 01568

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 1,916 sqft · built 1875
Lot Size	1.14 acres (49,658 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,000 (Feb 2025)
Tax Bill	$5,269 (2025)
Deeds & Mortgages	Jun 2022 Refinance Jan 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`UPTO M:031 L:003`

Property Details

APN / Parcel Number

Primary APN	`UPTO M:031 L:003`
Alternative APNs	`M:031 B:L:003` `2116`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,916 sqft Living Area
Gross Area	3,640 sqft
1st Floor Area	1,316 sqft
Basement Area	840 sqft
Unfinished Basement	840 sqft

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1875
Architectural Style	Historical
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	49,658 sqft (1.14 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	185 W RIVER ST
City	UPTON
State	MA
Zip	01568-1403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	5
Legal Lot Number	3
Jurisdiction	UPTON MA
Township / Civil Division	UPTON
Census Block Group	4
Census Block	4031
Census Tract	743100

Owner

Source: Worcester County and Upton Town records, as of July 20, 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 Record
Mailing Address	185 W RIVER ST, UPTON, MA 01568-1403
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER FIRST FEDERAL CREDIT UNION
Jan 11, 2017	Deed of Trust, Mortgage DIGITAL FCU
Aug 24, 2020	Deed of Trust, Mortgage · Balloon Mortgage WEBSTER FIRST FEDERAL CREDIT UNION
Sep 19, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2025 · Amount on Record
Deed Sale	Feb 13, 2025 · Amount on Record
Prior Sale	Nov 24, 2004 · Amount on Record
Deed Document Number	202511944
Deed Book / Page	71637 / 162
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UPTON MA
Property Address	185 W RIVER ST, UPTON, MA 01568-1403
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067709-357
Date	Jun 7, 2022
Book Page	67709/357
Instrument	61854

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2042

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UPTON MA
Property Address	185 W RIVER ST, UPTON, MA 01568-1403
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	56595-24
Date	Jan 11, 2017
Book Page	56595/24
Instrument	3440

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2032

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UPTON MA
Property Address	185 W RIVER ST, UPTON, MA 01568-1403
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63090-299
Date	Aug 24, 2020
Book Page	63090/299
Instrument	95267

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UPTON MA
Recording Date	Sep 19, 2019
Property Address	185 W RIVER ST, UPTON, MA 01568-1403
Document Number	61079-119
Book / Page	061079 / 000119
Instrument Date	Sep 16, 2019
Instrument	96862
Transaction Type	Transfer
Record Updated	Oct 8, 2019
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
Address	185 W RIVER ST UPTON MA 015681403, UPTON, MA 01568-1403

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,269.00 (+3.74%)	$400,700 (+7.92%) Land $213,800 Building $186,900	$511,290 (+1.03%)
2024	$5,079.00 (+13.37%)	$371,300 (+14.95%) Land $193,400 Building $177,900	$506,065
2023	$4,480.00	$323,000 Land $159,500 Building $163,500

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Jan 1979 · tidal / storm surge

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 67% of the US · above 98.2% of Massachusetts
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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