190 Mill St, Lancaster, MA 01523 Property Records

Worcester County and Lancaster Town property record for 190 Mill St, Lancaster, MA 01523

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,040 sqft · built 1968
Lot Size	0.37 acres (16,117 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (Aug 2023)
Tax Bill	$7,990 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`LANC M:042.0 B:0000 L:0140.0`

Property Details

APN / Parcel Number

Primary APN	`LANC M:042.0 B:0000 L:0140.0`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,040 sqft Living Area
Gross Area	2,664 sqft
1st Floor Area	1,104 sqft
Basement Area	936 sqft
Unfinished Basement	636 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	16,117 sqft (0.37 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	190 MILL ST
City	LANCASTER
State	MA
Zip	01523
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	140.0
Jurisdiction	LANCASTER MA
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1043
Census Tract	713100

Owner

Source: Worcester County and Lancaster Town records, as of October 8, 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	190 MILL ST, LANCASTER, MA 01523
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2023 · Amount on Record
Deed Sale	Aug 21, 2023 · Amount on Record
Deed Book / Page	69543 / 271
Prior Transfer Date	Aug 18, 2023
Prior Transfer Doc	069543-271
Record Updated	Oct 29, 2026

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LANCASTER MA
Recording Date	Aug 21, 2023
Property Address	190 MILL ST, LANCASTER, MA 01523
Document Number	069543-271
Book / Page	69543 / 271
Instrument Date	Aug 18, 2023
Instrument	68820
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Address	190 MILL ST, LANCASTER, MA 01523

Mortgage

Document Number	0000068821
Date	Aug 21, 2023
Instrument	68821

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,990.00 (+2.2%)	$494,400 (+8.71%) Land $104,700 Building $389,700	$556,130 (+9.85%)
2024			$506,255
2023	$7,818.00	$454,800 Land $88,600 Building $366,200

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 · 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	2 in force
Nearby Flood Claims	27 (1978–2010)
Claims Outside the SFHA	4 of 27
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 4 claims Severe Storms & Flooding, Apr 1987 · 3 claims

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 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	LANCASTER WATER DEPARTMENT serves 6,000 people · EPA ID MA2147000
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	17 ppb (2024–2026) 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 243 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20