197 E Main St, Westborough, MA 01581 Property Records

Worcester County and Westborough Town property record for 197 E Main St, Westborough, MA 01581

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 2,734 sqft · built 1838
Lot Size	1.03 acres (45,163 sqft)
Owner	2 Individual Names on Record
Last Sale	$288,000 (Sep 2002)
Tax Bill	$12,199 (2026)
Deeds & Mortgages	Oct 2021 Refinance Sep 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WBOR M:0035 B:000108 L:0`

Property Details

APN / Parcel Number

Primary APN	`WBOR M:0035 B:000108 L:0`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,734 sqft Living Area
Gross Area	4,900 sqft
Basement Area	1,384 sqft
Unfinished Basement	1,384 sqft

Exterior

Year Built	Built 1838
Effective Year Built	Effective 1838
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	45,163 sqft (1.03 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	197 E MAIN ST
City	WESTBOROUGH
State	MA
Zip	01581-1714
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R
Legal Block	108
Jurisdiction	WESTBOROUGH MA
Township / Civil Division	WESTBOROUGH
Census Block Group	1
Census Block	1018
Census Tract	761200

Owner

Source: Worcester County and Westborough 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	2 Individual Names on Record
Mailing Address	197 E MAIN ST, WESTBOROUGH, MA 01581-1714
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTY HOME MORTGAGE
Sep 13, 2017	Deed of Trust, Mortgage · ARM EAST BOSTON SAVINGS BANK
Jul 20, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2002 · Amount on Record
Deed Sale	Sep 27, 2002 · Amount on Record
Prior Sale	Nov 5, 2001 · Amount on Record
Deed Book / Page	27602 / 103
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTBOROUGH MA
Property Address	197 E MAIN ST, WESTBOROUGH, MA 01581-1714
Transaction Type	Mortgage
Record Updated	Nov 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66314-338
Date	Oct 18, 2021
Book Page	66314/338
Instrument	145962

Lender

Name	GUARANTY HOME MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTBOROUGH MA
Property Address	197 E MAIN ST, WESTBOROUGH, MA 01581-1714
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57720-374
Date	Sep 13, 2017
Book Page	57720/374
Instrument	100263

Lender

Name	EAST BOSTON SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.63%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTBOROUGH MA
Property Address	197 E MAIN ST, WESTBOROUGH, MA 01581-1714
Document Number	62964-77
Instrument Date	Jul 20, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 E MAIN ST WESTBOROUGH MA 015811714, WESTBOROUGH, MA 01581-1714

Mortgage

Document Number	62964-77
Date	Aug 6, 2020
Book Page	062964/000077
Instrument	86838

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 5, 2045

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,199.00 (+2.49%)	$765,800 (+4.8%) Land $363,000 Building $402,800	$719,350
2025	$11,903.00 (+7.75%)	$730,700 (+8.54%) Land $342,500 Building $388,200
2024	$11,047.00 (+3.75%)	$673,200 (+6.47%) Land $318,600 Building $354,600
2023	$10,648.00	$632,300 Land $302,000 Building $330,300

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

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	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	WESTBOROUGH WATER DEPARTMENT serves 21,567 people · EPA ID MA2328000
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Nov 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 215 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880

May also be available: AT&T, T-Mobile.

Nearby Properties on E Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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