20 Cold Brook Cir, Jefferson, MA 01522 Property Records

Worcester County and Holden Town property record for 20 Cold Brook Cir, Jefferson, MA 01522

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,742 sqft · built 2002
Lot Size	1.34 acres (58,731 sqft)
Owner	Individual Name on Record
Last Sale	$546,000 (Jul 2020)
Tax Bill	$10,323 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Nov 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`HOLD M:31 B:70`

Property Details

APN / Parcel Number

Primary APN	`HOLD M:31 B:70`
Alternative APN	`M:00031 P:00070`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,742 sqft Living Area
Gross Area	4,952 sqft
1st Floor Area	1,238 sqft
Attic	Attic
Attic Area	231 sqft
Basement Area	1,208 sqft
Unfinished Basement	1,208 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	58,731 sqft (1.34 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	20 COLD BROOK CIR
City	JEFFERSON
State	MA
Zip	01522-1339
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	70
Jurisdiction	HOLDEN MA
Township / Civil Division	HOLDEN
Census Block Group	3
Census Block	3029
Census Tract	728400

Owner

Source: Worcester County and Holden Town records, as of April 14, 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	20 COLD BROOK CIR, JEFFERSON, MA 01522-1339
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage AVIDIA BANK
Nov 16, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2020 · Amount on Record
Deed Sale	Jul 24, 2020 · Amount on Record
Prior Sale	Feb 3, 2003 · Amount on Record
Deed Document Number	202080233
Deed Book / Page	62864 / 236
Record Updated	Jun 8, 2026

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLDEN MA
Recording Date	Jul 24, 2020
Property Address	20 COLD BROOK CIR, JEFFERSON, MA 01522-1339
Document Number	62864-236
Book / Page	62864 / 236
Instrument Date	Jul 8, 2020
Instrument	80233
Transaction Type	Transfer
Record Updated	May 12, 2021

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	20 BRICE CIR # COLD, COLD, HOLDEN, MA 01520-1880

Mortgage

Document Number	80234
Date	Jul 24, 2020
Instrument	80234

Lender

Name	AVIDIA BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	20 COLD BROOK CIR, JEFFERSON, MA 01522-1339
Document Number	58087-262
Instrument Date	Nov 16, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58087-262
Date	Nov 24, 2017
Book Page	058087/000262
Instrument	131573

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 23, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,323.00 (+0.16%)	$744,800 (+2.25%) Land $218,800 Building $526,000	$678,680
2024	$10,307.00 (+5.3%)	$728,400 (+11.55%) Land $212,600 Building $515,800
2023	$9,788.00	$653,000 Land $184,700 Building $468,300

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	1 in force
Nearby Flood Claims	2 (1979–1984)
Most Recent Claim	Apr 1984 · tidal / storm surge

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	0.02% 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 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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