197 Providence St, Mendon, MA 01756 Property Records

Worcester County and Mendon Town property record for 197 Providence St, Mendon, MA 01756

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,404 sqft · built 1986
Lot Size	2.29 acres (99,752 sqft)
Owner	Individual Name on Record
Last Sale	$90,000 (Jun 1997)
Tax Bill	$6,439 (2026)
Deeds & Mortgages	Oct 2019 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MEND M:28 B:206 P:197`

Property Details

APN / Parcel Number

Primary APN	`MEND M:28 B:206 P:197`
Alternative APNs	`M:282060 B:000197 L:01` `2388`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,404 sqft Living Area
Gross Area	2,432 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Cape Cod
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	99,752 sqft (2.29 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	2388
Street Address	197 PROVIDENCE ST
City	MENDON
State	MA
Zip	01756-1322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Block	206
Jurisdiction	MENDON MA
Township / Civil Division	MENDON
Census Block Group	3
Census Block	3013
Census Tract	746100

Owner

Source: Worcester County and Mendon Town 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	197 PROVIDENCE ST, MENDON, MA 01756-1322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2019	Deed of Trust, Mortgage · Balloon Mortgage CENTRAL ONE FEDERAL CREDIT UNION
Oct 22, 2019	Deed of Trust, Mortgage · ARM CENTRAL ONE FEDERAL CREDIT UNION
Apr 24, 2017	Quit Claim Deed, Transfer · ARM CENTRAL ONE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 1997 · Amount on Record
Deed Sale	Jun 27, 1997 · Amount on Record
Deed Book / Page	18948 / 46
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MENDON MA
Property Address	197 PROVIDENCE ST, MENDON, MA 01756-1322
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61272-75
Date	Oct 22, 2019
Book Page	61272/75
Instrument	111356

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MENDON MA
Property Address	197 PROVIDENCE ST, MENDON, MA 01756-1322
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61272-55
Date	Oct 22, 2019
Book Page	61272/55
Instrument	111355

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Nov 1, 2029
Index	5-Year CMT

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MENDON MA
Recording Date	Apr 24, 2017
Property Address	197 PROVIDENCE ST, MENDON, MA 01756-1322
Document Number	57012-217
Book / Page	57012 / 217
Instrument	40389
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$48.28
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57012-219
Date	Apr 24, 2017
Book Page	57012/219
Instrument	40390

Lender

Name	CENTRAL ONE FCU
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.38%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,439.00 (+2.99%)	$485,600 (+4.01%) Land $175,100 Building $309,200	$488,698
2025	$6,252.00 (+0.99%)	$466,900 (+3.39%) Land $168,300 Building $298,600
2024	$6,191.00 (+2.77%)	$451,600 (+9.45%) Land $161,800 Building $289,800
2023	$6,024.00	$412,600 Land $144,400 Building $268,200

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 · 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	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

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