Worcester County and Worcester City property record for 20 Emile St, Worcester, MA 01604
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,920 sqft · built 1993 |
| Lot Size | 0.178 acres (7,748 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $150,000 (Apr 2015) |
| Tax Bill | $6,835 (2026) |
| Deeds & Mortgages | Jul 2023 Line of Credit Jun 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 38-003-0057A |
| Primary APN | 38-003-0057A |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,920 sqft Living Area |
| Gross Area | 3,000 sqft |
| 1st Floor Area | 920 sqft |
| Basement Area | 920 sqft |
| Unfinished Basement | 920 sqft |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,748 sqft (0.178 acres) |
| Garage Type | Basement |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Account Number | 38-003-0057A |
|---|---|
| Street Address | 20 EMILE ST |
| City | WORCESTER |
| State | MA |
| Zip | 01604-3169 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RL-7 |
| Legal Block | 3 |
| Legal Lot Number | 57A |
| Jurisdiction | WORCESTER MA |
| Township / Civil Division | WORCESTER |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 732302 |
20 Emile St is owned and occupied by two individuals who bought it in April 2015.
Source: Worcester County and Worcester City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 EMILE ST, WORCESTER, MA 01604-3169 |
| 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.
| Date | Document |
|---|---|
| Jul 28, 2023 | Deed of Trust, Mortgage · Line of Credit CENTRAL ONE FEDERAL CREDIT UNION |
| Jun 16, 2021 | Deed of Trust, Mortgage · Line of Credit CENTRAL ONE FEDERAL CREDIT UNION |
| Dec 12, 2018 | Deed of Trust, Mortgage · ARM CENTRAL ONE FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 17, 2015 · Amount on File |
| Deed Sale | Apr 17, 2015 · Amount on File |
| Deed Book / Page | 53606 / 163 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 20 EMILE ST, WORCESTER, MA 01604-3169 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 069441-150 |
|---|---|
| Date | Jul 28, 2023 |
| Book Page | 69441/150 |
| Instrument | 61033 |
| Name | CENTRAL ONE FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 20 EMILE ST, WORCESTER, MA 01604-3169 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 065394-345 |
|---|---|
| Date | Jun 16, 2021 |
| Book Page | 65394/345 |
| Instrument | 83067 |
| Name | CENTRAL ONE FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 20 EMILE ST, WORCESTER, MA 01604-3169 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 59805-16 |
|---|---|
| Date | Dec 12, 2018 |
| Book Page | 59805/16 |
| Instrument | 131058 |
| Name | CENTRAL ONE FEDERAL CREDIT UNION |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | Jan 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | Jan 1, 2029 |
The 2026 property tax bill for 20 Emile St was $6,835, up 3% from the year before.
Source: Worcester County and Worcester City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Worcester City |
| Unified School District | Worcester School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,835.00 (+2.98%) | $514,700 (+2.29%) Land $123,700 Building $391,000 | $496,457 (+3.24%) |
| 2025 | $6,637.00 | $503,200 Land $117,800 Building $385,400 | $480,890 (+1.65%) |
| 2024 | $473,100 | ||
| 2023 | $6,347.00 | $442,600 Land $102,400 Building $340,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Emile St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (1978–2008) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Aug 2008 · rainfall accumulation |
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.
The area around 20 Emile 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 592 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 Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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