20 Exchange St, Athol, MA 01331 Property Records

Worcester County and Athol Town property record for 20 Exchange St, Athol, MA 01331

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	5 bd · 2 ba · 2,688 sqft · built 1900
Lot Size	0.121 acres (5,276 sqft)
Owner	Trust Name on Record
Last Sale	$70,000 (Jan 2003)
Tax Bill	$1,646 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit
APN	`ATHO M:00030 B:00256 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ATHO M:00030 B:00256 L:00000`
Alternative APN	`5369`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Units	6 Units
Stories	3 Stories
Building Area	2,688 sqft Total Area
Gross Area	9,116 sqft
Basement Area	1,626 sqft
Unfinished Basement	1,626 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	5,276 sqft (0.121 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	5369
Street Address	20 EXCHANGE ST
City	ATHOL
State	MA
Zip	01331-1812
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	CA
Legal Block	256
Jurisdiction	ATHOL MA
Township / Civil Division	ATHOL
Census Block Group	1
Census Block	1020
Census Tract	703100

Owner

Source: Worcester County and Athol 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	Trust Name on Record
Mailing Address	20 EXCHANGE ST, ATHOL, MA 01331-1812
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2003 · Amount on Record
Deed Sale	Jan 22, 2003 · Amount on Record
Prior Sale	Nov 30, 2001 · Amount on Record
Deed Book / Page	28789 / 67
Record Updated	Oct 29, 2026

April 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	ATHOL MA
Recording Date	Apr 22, 2026
Property Address	20 EXCHANGE ST, ATHOL, MA 01331-1812
Document Number	0000030449
Book / Page	73470 / 222
Instrument Date	Apr 17, 2026
Instrument	202630449
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	073470-222,
Date	Apr 22, 2026
Book Page	73470/222
Instrument	202630449

Lender

Name	ATHOL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,646.00 (-50.15%)	$129,900 (-5%) Land $24,850 Building $105,050	$307,325 (-)
2025	$3,302.00 (+6.48%)	$259,800 (+7.49%) Land $49,700 Building $210,100	$307,325 (-22.22%)
2024	$3,101.00	$241,700 Land $47,300 Building $194,400	$395,105

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	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

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	ATHOL DPW WATER DIVISION serves 10,587 people · EPA ID MA1015000
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	4 ppb (2025) 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 328 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