19 Cole Rd, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 19 Cole Rd, Sterling, MA 01564

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,016 sqft · built 1998
Lot Size	1.65 acres (71,874 sqft)
Owner	Individual Name on Record
Last Sale	$342,500 (Jul 2012)
Tax Bill	$8,018 (2026)
Deeds & Mortgages	May 2021 Mortgage Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`STER M:00009 L:00014`

Property Details

APN / Parcel Number

Primary APN	`STER M:00009 L:00014`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,016 sqft Living Area
Gross Area	3,597 sqft
Basement Area	588 sqft
Unfinished Basement	588 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	71,874 sqft (1.65 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	19 COLE RD
City	STERLING
State	MA
Zip	01564-2236
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RRF
Legal Lot Number	14
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	2
Census Block	2003
Census Tract	719100

Owner

Source: Worcester County and Sterling Town records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	19 COLE RD, STERLING, MA 01564-2236
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2021	Deed of Trust, Mortgage · Balloon Mortgage DIGITAL FCU
Jan 16, 2018	Deed of Trust, Mortgage DIGITAL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2012 · Amount on Record
Deed Sale	Jul 31, 2012 · Amount on Record
Prior Sale	Aug 28, 1998 · Amount on Record
Deed Book / Page	49373 / 252
Transfer Doc	049373-252
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	19 COLE RD, STERLING, MA 01564-2236
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0065181-61
Date	May 17, 2021
Book Page	65181/61
Instrument	67877

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Jun 1, 2061

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	19 COLE RD, STERLING, MA 01564-2236
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58321-73
Date	Jan 16, 2018
Book Page	58321/73
Instrument	4529

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2033

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,018.00 (+2.66%)	$638,900 (+5.36%) Land $196,200 Building $442,700	$679,440 (-)
2025	$7,810.00 (+2.55%)	$606,400 (+5.98%) Land $169,800 Building $436,600	$679,440 (+1.09%)
2024	$7,616.00 (+6.91%)	$572,200 (+14.85%) Land $164,100 Building $408,100	$672,125
2023	$7,124.00	$498,200 Land $155,600 Building $342,600

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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	STERLING WATER DEPARTMENT serves 6,814 people · EPA ID MA2282000
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	9 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Feb 2024
Monitoring and Reporting	1 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

Nearby Properties on Cole Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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