Worcester County and Lancaster Town property record for 197 Mill St, Lancaster, MA 01523
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,628 sqft · built 2001 |
| Lot Size | 1.67 acres (72,745 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $377,500 (Jul 2016) |
| Tax Bill | $10,499 (2025) |
| Deeds & Mortgages | Sep 2022 Transfer Oct 2020 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | LANC M:042.0 B:0000 L:0054.A |
| Primary APN | LANC M:042.0 B:0000 L:0054.A |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,628 sqft Living Area |
| 1st Floor Area | 1,292 sqft |
| Basement Area | 1,292 sqft |
| Unfinished Basement | 1,292 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 72,745 sqft (1.67 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 197 MILL ST |
|---|---|
| City | LANCASTER |
| State | MA |
| Zip | 01523-2041 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | BROOKSIDE MDWS |
| Legal Lot Number | 54.A |
| Jurisdiction | LANCASTER MA |
| Township / Civil Division | LANCASTER |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 713100 |
Source: Worcester County and Lancaster Town records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 197 MILL ST, LANCASTER, MA 01523-2041 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Sep 2, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Oct 8, 2020 | Deed of Trust, Mortgage · Balloon Mortgage TD BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 8, 2016 · Amount on Record |
| Deed Sale | Jul 8, 2016 · Amount on Record |
| Prior Sale | Jul 30, 2013 · Amount on Record |
| Deed Book / Page | 55606 / 284 |
| Transfer Doc | 055606-284 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LANCASTER MA |
| Recording Date | Sep 2, 2022 |
| Property Address | 197 MILL ST, LANCASTER, MA 01523-2041 |
| Document Number | 068168-130 |
| Book / Page | 68168 / 130 |
| Instrument Date | Aug 27, 2022 |
| Instrument | 97419 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 197 MILL ST, LANCASTER, MA 01523-2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 197 MILL ST, LANCASTER, MA 01523-2041 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 63447-140 |
|---|---|
| Date | Oct 8, 2020 |
| Book Page | 63447/140 |
| Instrument | 118874 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
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 | $10,499.00 (+8.73%) | $649,700 (+15.67%) Land $117,200 Building $532,500 | $671,270 (+8.39%) |
| 2024 | $619,305 | ||
| 2023 | $9,656.00 | $561,700 Land $97,500 Building $464,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 9 (1978–2010) |
| Claims Outside the SFHA | 2 of 9 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 159 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
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