186 Willard Rd, Ashburnham, MA 01430 Property Records

Worcester County and Ashburnham Town property record for 186 Willard Rd, Ashburnham, MA 01430

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,308 sqft · built 2004
Lot Size	4.62 acres (201,570 sqft)
Owner	2 Individual Names on File
Last Sale	$761,000 (Sep 2025)
Tax Bill	$8,907 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Sep 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`ASHB M:0035 B:00001C`

Property Details

APN / Parcel Number

Primary APN	`ASHB M:0035 B:00001C`
Alternative APN	`ABHM M:0035 B:00001C`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,308 sqft Living Area
Gross Area	6,360 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	201,570 sqft (4.62 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	186 WILLARD RD
City	ASHBURNHAM
State	MA
Zip	01430-1426
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	THERESA C CHAUME
Legal Block	1C
Jurisdiction	ASHBURNHAM MA
Township / Civil Division	ASHBURNHAM
Census Block Group	5
Census Block	5011
Census Tract	700100

Owner

Source: Worcester County and Ashburnham Town records · APN ASHB M:0035 B:00001C

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	186 WILLARD RD, ASHBURNHAM, MA 01430-1426
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2025	Quit Claim Deed, Transfer · Conventional Mortgage GFA FEDERAL CREDIT UNION
Sep 11, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 12, 2025 · Amount on Record
Deed Sale	Sep 12, 2025 · Amount on Record
Prior Sale	Jun 19, 2015
Deed Book / Page	11062 / 203
Record Updated	Sep 20, 2026

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHBURNHAM MA
Recording Date	Sep 12, 2025
Property Address	186 WILLARD RD, ASHBURNHAM, MA 01430-1426
Document Number	011062-203
Book / Page	11062 / 203
Instrument Date	Sep 12, 2025
Instrument	12363
Transaction Type	Transfer
Record Updated	Mar 13, 2026

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	186 WILLARD RD, ASHBURNHAM, MA 01430-1426

Mortgage

Document Number	0000012364
Date	Sep 12, 2025
Instrument	12364

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Oct 01, 2030
Index	Other

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBURNHAM MA
Property Address	186 WILLARD RD, ASHBURNHAM, MA 01430-1426
Transaction Type	Mortgage
Record Updated	Mar 03, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9719-214
Date	Sep 11, 2020
Book Page	9719/214
Instrument	15567

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Ashburnham Town
Unified School District	Ashburnham-Westminster 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	$8,907.00 (+4.3%)	$599,000 (+10.48%) Land $66,100 Building $532,900	$737,770 (+34.73%)
2024	$8,540.00 (+4.22%)	$542,200 (+9.51%) Land $64,400 Building $477,800	$547,580
2023	$8,194.00	$495,100 Land $64,400 Building $430,700

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	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2003)
Most Recent Claim	Mar 2003 · river or lake flooding

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 7 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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