186 Clover St, Worcester, MA 01603 Property Records

Worcester County and Worcester City property record for 186 Clover St, Worcester, MA 01603

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,050 sqft · built 1945
Lot Size	0.197 acres (8,569 sqft)
Owner	2 Individual Names on Record
Last Sale	$87,000 (May 1994)
Tax Bill	$3,878 (2026)
Deeds & Mortgages	Jan 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-024-00018`

Property Details

APN / Parcel Number

Primary APN	`28-024-00018`
Alternative APN	`WORC M:28 B:024 L:00018`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,050 sqft Living Area
Gross Area	2,576 sqft
1st Floor Area	840 sqft
Attic	Attic
Attic Area	598 sqft
Basement Area	840 sqft
Unfinished Basement	840 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,569 sqft (0.197 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	28-024-00018
Street Address	186 CLOVER ST
City	WORCESTER
State	MA
Zip	01603-1311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Block	24
Legal Lot Number	18
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	2
Census Block	2011
Census Tract	733101

Owner

Source: Worcester County and Worcester City records, as of October 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	186 CLOVER ST, WORCESTER, MA 01603-1311
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 1994 · Amount on Record
Deed Sale	May 26, 1994 · Amount on Record
Deed Book / Page	16314 / 355
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	186 CLOVER ST, WORCESTER, MA 01603-1311
Transaction Type	Mortgage
Record Updated	Jan 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070066-359
Date	Jan 5, 2024
Book Page	70066/359
Instrument	970

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	469 Months
Due	Feb 1, 2063

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Worcester City
Unified School District	Worcester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,878.00 (+2.84%)	$292,000 (+2.13%) Land $104,200 Building $187,800	$340,516 (+9.61%)
2025	$3,771.00 (+6.26%)	$285,900 (+15.52%) Land $98,100 Building $187,800	$310,650 (+3.19%)
2024			$301,055
2023	$3,549.00	$247,500 Land $85,300 Building $162,200

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

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

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.

Drinking Water

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

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

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