186 Bailey Rd, Holden, MA 01520 Property Records

Worcester County and Holden Town property record for 186 Bailey Rd, Holden, MA 01520

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,128 sqft · built 1990
Lot Size	0.445 acres (19,390 sqft)
Owner	Individual Name on File
Last Sale	$174,500 (Sep 1994)
Tax Bill	$6,845 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HOLD M:185 B:75`

Property Details

APN / Parcel Number

Primary APN	`HOLD M:185 B:75`
Alternative APNs	`M:00185 P:00075` `10616`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,128 sqft Living Area
Gross Area	3,608 sqft
1st Floor Area	1,064 sqft
Basement Area	504 sqft
Unfinished Basement	504 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,390 sqft (0.445 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	10616
Street Address	186 BAILEY RD
City	HOLDEN
State	MA
Zip	01520-2704
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Block	75
Jurisdiction	HOLDEN MA
Township / Civil Division	HOLDEN
Census Block Group	1
Census Block	1000
Census Tract	728100

Owner

186 Bailey Rd is owned and occupied by an individual who bought it in September 1994.

Source: Worcester County and Holden Town records, as of April 14, 2026

Owner of Record	Individual Name on File
Mailing Address	186 BAILEY RD, HOLDEN, MA 01520-2704
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) WORCESTER CU
Oct 7, 2020	Deed of Trust, Mortgage · Balloon Mortgage WORCESTER CU
Aug 12, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WORCESTER CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 1994 · Amount on File
Deed Sale	Sep 23, 1994 · Amount on File
Prior Sale	Oct 1, 1991 · Amount on File
Deed Book / Page	16591 / 304
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	186 BAILEY RD, HOLDEN, MA 01520-2704
Transaction Type	Mortgage
Record Updated	Dec 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066761-40
Date	Dec 16, 2021
Book Page	66761/40
Instrument	175820

Lender

Name	WORCESTER CU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	121 Months
Due	Jan 1, 2032

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	186 BAILEY RD, HOLDEN, MA 01520-2704
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63445-111
Date	Oct 7, 2020
Book Page	63445/111
Instrument	118730

Lender

Name	WORCESTER CU
Type	Credit Union

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2040

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	186 BAILEY RD, HOLDEN, MA 01520-2704
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63008-281
Date	Aug 12, 2020
Book Page	63008/281
Instrument	89867

Lender

Name	WORCESTER CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 186 Bailey Rd was $6,845, up 6.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,845.00 (+6.16%)	$493,900 (+8.38%) Land $137,900 Building $356,000	$632,890
2024	$6,448.00 (+5.31%)	$455,700 (+11.55%) Land $133,900 Building $321,800
2023	$6,123.00	$408,500 Land $116,400 Building $292,100

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

Flood

FEMA maps place 186 Bailey Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

Wildfire risk around 186 Bailey 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	Direct burnable vegetation

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	HOLDEN WATER DIVISION, DPW serves 18,016 people · EPA ID MA2134000
Water Source	Purchased surface water from WORCESTER DPWP, WATER SUPPLY DIVISION
Last State Inspection	Nov 2024
Lead	3 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bailey Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures