20 Crystal St, Worcester, MA 01603 Property Records

Worcester County and Worcester City property record for 20 Crystal St, Worcester, MA 01603

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,355 sqft · built 1900
Lot Size	0.221 acres (9,634 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Mar 2022)
Tax Bill	$4,390 (2026)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Jul 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`7-010-00005`

Property Details

APN / Parcel Number

Primary APN	`7-010-00005`
Alternative APN	`WORC M:07 B:010 L:00005`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,355 sqft Living Area
Gross Area	2,907 sqft
1st Floor Area	774 sqft
Basement Area	774 sqft
Unfinished Basement	774 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,634 sqft (0.221 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam

Location & Zoning

Account Number	7-010-00005
Street Address	20 CRYSTAL ST
City	WORCESTER
State	MA
Zip	01603-2601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG-5
Legal Block	10
Legal Lot Number	5
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	2
Census Block	2001
Census Tract	731204

Owner

20 Crystal St is owned by two individuals who bought it in March 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	7 HOLMES RD, ASHLAND, MA 01721-1759
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
Mar 1, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MIDDLESEX SAVINGS BANK
Jul 22, 2019	Quit Claim Deed, Transfer · FHA Mortgage EVOLVE BK&TR
May 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage ATHAS CAP
May 8, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2022 · Amount on File
Deed Sale	Mar 1, 2022 · Amount on File
Prior Sale	Jul 22, 2019 · Amount on File
Deed Book / Page	67196 / 223
Prior Transfer Date	Feb 28, 2022
Prior Transfer Doc	067196-223
Record Updated	Oct 29, 2026

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Mar 1, 2022
Property Address	20 CRYSTAL ST, WORCESTER, MA 01603-2601
Document Number	067196-223
Book / Page	67196 / 223
Instrument Date	Feb 28, 2022
Instrument	23677
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Relationship	Tenants by the Entirety
Address	7 HOLMES RD, ASHLAND, MA 01721-1759

Mortgage

Document Number	0000023678
Date	Mar 1, 2022
Instrument	23678

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Jul 22, 2019
Property Address	20 CRYSTAL ST, WORCESTER, MA 01603-2601
Document Number	60741-233
Book / Page	060741 / 000233
Instrument Date	Jul 19, 2019
Instrument	70536
Transaction Type	Transfer
Record Updated	Aug 6, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,030.56
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CRYSTAL ST WORCESTER MA 016032601, WORCESTER, MA 01603-2601

Mortgage

Document Number	60741-236
Date	Jul 22, 2019
Book Page	060741/000236
Instrument	70537

Lender

Name	EVOLVE BK&TR
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 21, 2049

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	20 CRYSTAL ST, WORCESTER, MA 01603-2601
Document Number	60363-151
Instrument Date	May 3, 2019
Transaction Type	Mortgage
Record Updated	May 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2010 PALMER RD THREE RIVERS MA 010801301, THREE RIVERS, MA 01080-1301

Mortgage

Document Number	60363-151
Date	May 3, 2019
Book Page	060363/000151
Instrument	40025

Lender

Name	ATHAS CAP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	May 8, 2019
Property Address	20 CRYSTAL ST, WORCESTER, MA 01603-2601
Document Number	60380-107
Book / Page	060380 / 000107
Instrument Date	May 1, 2019
Instrument	41370
Transaction Type	Transfer
Record Updated	May 28, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CRYSTAL ST WORCESTER MA 016032601, WORCESTER, MA 01603-2601

Tax Assessment & Valuation

The 2026 property tax bill for 20 Crystal St was $4,390, up 3.3% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Worcester City
Unified School District	Worcester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,390.00 (+3.29%)	$330,600 (+2.61%) Land $104,500 Building $226,100	$362,758 (+7.38%)
2025	$4,250.00	$322,200 Land $98,400 Building $223,800	$337,820 (-14.4%)
2024			$394,630
2023	$3,915.00	$273,000 Land $85,600 Building $187,400

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

Flood

FEMA maps place 20 Crystal St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 20 Crystal St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	WORCESTER DPWP, WATER SUPPLY DIVISION serves 206,518 people · EPA ID MA2348000
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 446 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile, Xfinity.

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