196 Clover St, Worcester, MA 01603 Property Records

Worcester County and Worcester City property record for 196 Clover St, Worcester, MA 01603

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 1,740 sqft · built 1947
Lot Size	0.396 acres (17,230 sqft)
Owner	Individual Name on Record
Last Sale	$425,000 (Feb 2023)
Tax Bill	$5,809 (2026)
Deeds & Mortgages	Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-024-00019`

Property Details

APN / Parcel Number

Primary APN	`28-024-00019`
Alternative APN	`WORC M:28 B:024 L:00019`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,740 sqft Living Area
Gross Area	3,537 sqft
1st Floor Area	994 sqft
Attic	Attic
Attic Area	780 sqft
Basement Area	868 sqft
Unfinished Basement	868 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Duplex Single
Exterior Material	Combination
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,230 sqft (0.396 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam

Location & Zoning

Account Number	28-024-00019
Street Address	196 CLOVER ST
City	WORCESTER
State	MA
Zip	01603-1311
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RS-7
Legal Block	24
Legal Lot Number	19
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	2
Census Block	2011
Census Tract	733101

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	196 CLOVER ST, WORCESTER, MA 01603-1311
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2023 · Amount on Record
Deed Sale	Feb 24, 2023 · Amount on Record
Prior Sale	May 18, 1987 · Amount on Record
Deed Document Number	202315654
Deed Book / Page	68860 / 18
Record Updated	Oct 29, 2026

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Feb 24, 2023
Property Address	196 CLOVER ST, WORCESTER, MA 01603-1311
Document Number	0068860-18
Book / Page	68860 / 18
Instrument Date	Feb 24, 2023
Instrument	15654
Transaction Type	Transfer
Record Updated	Mar 10, 2023

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	196 CLOVER ST, WORCESTER, MA 01603-1311

Mortgage

Document Number	0000015655
Date	Feb 24, 2023
Instrument	15655

Lender

Name	E MORTGAGE MANAGEMENT LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Worcester City
Unified School District	Worcester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,809.00 (+5.54%)	$437,400 (+4.82%) Land $105,200 Building $332,200	$465,395
2025	$5,504.00 (+10.86%)	$417,300 (+20.54%) Land $98,900 Building $318,400
2023	$4,965.00	$346,200 Land $86,000 Building $260,200

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

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 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 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	WORCESTER DPWP, WATER SUPPLY DIVISION serves 206,518 people · EPA ID MA2348000
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	2 ppb (2022–2024) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 365 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20