2 Cold Harbor Dr, Northborough, MA 01532 Property Records

Worcester County and Northborough Town property record for 2 Cold Harbor Dr, Northborough, MA 01532

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 1,509 sqft · built 1974
Lot Size	0.946 acres (41,225 sqft)
Owner	Individual Name on File
Last Sale	$423,000 (Dec 2019)
Tax Bill	$11,998 (2026)
Deeds & Mortgages	Jan 2023 Mortgage May 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`NBOR M:0600 L:0035`

Property Details

APN / Parcel Number

Primary APN	`NBOR M:0600 L:0035`
Alternative APN	`M:096.0 B:0000 L:0034.0`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,509 sqft Living Area
Gross Area	3,889 sqft
1st Floor Area	1,300 sqft
Basement Area	2,206 sqft
Unfinished Basement	2,206 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1989
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	41,225 sqft (0.946 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	2 COLD HARBOR DR
City	NORTHBOROUGH
State	MA
Zip	01532-1203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Lot Number	35
Jurisdiction	NORTHBOROUGH MA
Township / Civil Division	NORTHBOROUGH
Census Block Group	2
Census Block	2010
Census Tract	740101

Owner

2 Cold Harbor Dr is owned and occupied by an individual who bought it in December 2019.

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

Owner of Record	Individual Name on File
Mailing Address	2 COLD HARBOR DR, NORTHBOROUGH, MA 01532-1203
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) AVIDIA BANK
May 25, 2022	Deed of Trust, Mortgage · Line of Credit AVIDIA BANK
Feb 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Dec 17, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BANK OF CANTON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2019 · Amount on File
Deed Sale	Dec 17, 2019 · Amount on File
Prior Sale	Jan 1, 1974 · Amount on File
Deed Document Number	2019136809
Deed Book / Page	61603 / 238
Prior Transfer Date	Dec 6, 2019
Prior Transfer Doc	61603-238
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHBOROUGH MA
Property Address	2 COLD HARBOR DR, NORTHBOROUGH, MA 01532-1203
Transaction Type	Mortgage
Record Updated	Feb 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068783-66
Date	Jan 31, 2023
Book Page	68783/66
Instrument	9396

Lender

Name	AVIDIA BANK

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	121 Months
Due	Feb 1, 2033

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHBOROUGH MA
Property Address	2 COLD HARBOR DR, NORTHBOROUGH, MA 01532-1203
Transaction Type	Mortgage
Record Updated	Jun 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067642-93
Date	May 25, 2022
Book Page	67642/93
Instrument	56735

Lender

Name	AVIDIA BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2042

Interest

Rate Type	Adjustable Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHBOROUGH MA
Property Address	2 COLD HARBOR DR, NORTHBOROUGH, MA 01532-1203
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64393-80
Date	Feb 4, 2021
Book Page	64393/80
Instrument	16720

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTHBOROUGH MA
Recording Date	Dec 17, 2019
Property Address	2 COLD HARBOR DR, NORTHBOROUGH, MA 01532-1203
Document Number	61603-238
Book / Page	61603 / 238
Instrument Date	Dec 6, 2019
Instrument	136809
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
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	2 COLD HARBOR DR, NORTHBOROUGH, MA 01532-1203

Mortgage

Document Number	136811
Date	Dec 17, 2019
Instrument	136811

Lender

Name	BANK OF CANTON
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 2 Cold Harbor Dr was $11,998, up % from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Northborough Town
Elementary School District	Northborough School District (KG - 08)
Secondary School District	Northborough-Southborough School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,998.00 (+0.01%)	$809,600 (-3.84%) Land $330,500 Building $479,100	$767,444
2025	$11,997.00 (+43.95%)	$841,900 (+44.26%) Land $315,700 Building $526,200
2024	$8,334.00 (+6.81%)	$583,600 (+10.61%) Land $251,900 Building $331,700	$564,490
2023	$7,803.00	$527,600 Land $237,500 Building $290,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2 Cold Harbor Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1987.

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	5 in force
Nearby Flood Claims	2 (1987–2010)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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

Wildfire risk around 2 Cold Harbor Dr is low, with a 0.01% 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	0.01% annual chance
Exposure	Direct burnable vegetation

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 39 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: SELCO.

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