Worcester County and Lancaster Town property record for 195 Kaleva Rd, Lancaster, MA 01523
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 3,440 sqft · built 1990 |
| Lot Size | 0.9 acres (39,204 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $507,000 (May 2020) |
| Tax Bill | $12,720 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit Aug 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | LANC M:001.0 B:0000 L:0018.D |
| Primary APN | LANC M:001.0 B:0000 L:0018.D |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Total Rooms | 13 Rooms |
| Stories | 2 Stories |
| Building Area | 3,440 sqft Living Area |
| Gross Area | 2,720 sqft |
| 1st Floor Area | 1,784 sqft |
| Basement Area | 1,784 sqft |
| Unfinished Basement | 1,404 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 39,204 sqft (0.9 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 195 KALEVA RD |
|---|---|
| City | LANCASTER |
| State | MA |
| Zip | 01523-3213 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | LANCASTER |
| Legal Lot Number | 18.D |
| Jurisdiction | LANCASTER MA |
| Township / Civil Division | LANCASTER |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 713100 |
195 Kaleva Rd is owned and occupied by two individuals who bought it in May 2020.
Source: Worcester County and Lancaster Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 195 KALEVA RD, LANCASTER, MA 01523-3213 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 14, 2025 | Deed of Trust, Mortgage · Line of Credit ALL ONE CREDIT UNION |
| Aug 9, 2019 | Deed of Trust, Mortgage · Line of Credit HANSCOM FCU |
| May 28, 2020 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEOMINSTER CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 28, 2020 · Amount on File |
| Deed Sale | May 28, 2020 · Amount on File |
| Prior Sale | May 16, 2016 · Amount on File |
| Deed Document Number | 202054705 |
| Deed Book / Page | 62482 / 285 |
| Prior Transfer Date | May 4, 2020 |
| Prior Transfer Doc | 62482-285 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 195 KALEVA RD, LANCASTER, MA 01523-3213 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00072825-7 |
|---|---|
| Date | Nov 14, 2025 |
| Book Page | 72825/7 |
| Instrument | 99305 |
| Name | ALL ONE CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Dec 1, 2045 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 195 KALEVA RD, LANCASTER, MA 01523-3213 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 60853-103 |
|---|---|
| Date | Aug 9, 2019 |
| Book Page | 60853/103 |
| Instrument | 79133 |
| Name | HANSCOM FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LANCASTER MA |
| Recording Date | May 28, 2020 |
| Property Address | 195 KALEVA RD, LANCASTER, MA 01523-3213 |
| Document Number | 62482-285 |
| Book / Page | 62482 / 285 |
| Instrument Date | May 4, 2020 |
| Instrument | 54705 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 195 KALEVA RD, LANCASTER, MA 01523-3213 |
| Document Number | 54706 |
|---|---|
| Date | May 28, 2020 |
| Instrument | 54706 |
| Name | LEOMINSTER CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 195 Kaleva Rd was $12,720.
Source: Worcester County and Lancaster Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Lancaster Town |
| Unified School District | Nashoba School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,720.00 | $787,100 Land $117,800 Building $669,300 | $777,575 (+11.74%) |
| 2024 | $695,875 | ||
| 2023 | $11,732.00 | $682,500 Land $99,700 Building $582,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 195 Kaleva Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
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 risk around 195 Kaleva Rd is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 45 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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