192 Tom Swamp Rd, Athol, MA 01331 Property Records

Worcester County and Athol Town property record for 192 Tom Swamp Rd, Athol, MA 01331

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,729 sqft · built 2019
Lot Size	1.48 acres (64,469 sqft)
Owner	2 Individual Names on File
Last Sale	$359,000 (Dec 2019)
Tax Bill	$5,909 (2026)
Deeds & Mortgages	Aug 2022 Refinance Feb 2021 Refinance + 2 more
APN	`ATHO M:00056 B:00054 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ATHO M:00056 B:00054 L:00000`
Alternative APN	`4574`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,729 sqft Living Area
Gross Area	4,400 sqft
Basement Area	1,729 sqft
Unfinished Basement	1,729 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	64,469 sqft (1.48 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	4574
Street Address	192 TOM SWAMP RD
City	ATHOL
State	MA
Zip	01331-9413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Block	54
Jurisdiction	ATHOL MA
Township / Civil Division	ATHOL
Census Block Group	2
Census Block	2037
Census Tract	703300

Owner

192 Tom Swamp Rd is owned and occupied by two individuals who bought it in December 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	192 TOM SWAMP RD, ATHOL, MA 01331-9413
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Aug 26, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ATHOL CU
Feb 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BAY EQUITY LLC
Dec 13, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BAY EQUITY LLC
Oct 10, 2018	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2019 · Amount on File
Deed Sale	Dec 13, 2019 · Amount on File
Prior Sale	Oct 10, 2018 · Amount on File
Deed Document Number	2019135701
Deed Book / Page	61590 / 119
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ATHOL MA
Property Address	192 TOM SWAMP RD, ATHOL, MA 01331-9413
Transaction Type	Mortgage
Record Updated	Sep 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068131-148
Date	Aug 26, 2022
Book Page	68131/148
Instrument	94567

Lender

Name	ATHOL CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ATHOL MA
Property Address	192 TOM SWAMP RD, ATHOL, MA 01331-9413
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64447-103
Date	Feb 12, 2021
Book Page	64447/103
Instrument	20658

Lender

Name	BAY EQUITY LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	Dec 13, 2019
Property Address	192 TOM SWAMP RD, ATHOL, MA 01331-9413
Document Number	61590-119
Book / Page	61590 / 119
Instrument Date	Dec 13, 2019
Instrument	135701
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
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	192 TOM SWAMP RD, ATHOL, MA 01331-9413

Mortgage

Document Number	135702
Date	Dec 13, 2019
Instrument	135702

Lender

Name	BAY EQUITY LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	Oct 10, 2018
Property Address	192 TOM SWAMP RD, ATHOL, MA 01331-9413
Document Number	59528-136
Book / Page	059528 / 000136
Instrument Date	Oct 10, 2018
Instrument	107630
Transaction Type	Transfer
Record Updated	Oct 30, 2018

Transaction

Amount	Amount on Record
Tax	$182.40
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 BLAKE CORNER RD PHILLIPSTON MA 013319793, PHILLIPSTON, MA 01331-9793

Tax Assessment & Valuation

The 2026 property tax bill for 192 Tom Swamp Rd was $5,909, up 1.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,909.00 (+1.6%)	$466,400 (+1.92%) Land $66,400 Building $400,000	$418,190 (-)
2025	$5,816.00 (+1.5%)	$457,600 (+2.46%) Land $63,800 Building $393,800	$418,190 (+2.32%)
2024	$5,730.00 (+1.72%)	$446,600 (+11.32%) Land $63,800 Building $382,800	$408,690
2023	$5,633.00	$401,200 Land $46,400 Building $354,800

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

Flood

FEMA's flood maps do not cover 192 Tom Swamp Rd; there have been 2 flood claims nearby since 1984.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1984–2005)
Most Recent Claim	Oct 2005 · Severe Storms And Flooding

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 192 Tom Swamp 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

Cell Coverage

4G LTE only, no 5G reported

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