20 Ford Rd, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 20 Ford Rd, Sterling, MA 01564

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,506 sqft · built 2004
Lot Size	7.12 acres (310,147 sqft)
Owner	Individual Name on Record
Tax Bill	$8,698 (2026)
Deeds & Mortgages	Jan 2023 Refinance May 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`LOT #1`

Property Details

APN / Parcel Number

Primary APN	`LOT #1`
Alternative APN	`STER M:00027 L:00001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,506 sqft Living Area
Gross Area	3,677 sqft
Basement Area	1,506 sqft
Unfinished Basement	1,506 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	310,147 sqft (7.12 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	LOT #1
Street Address	20 FORD RD
City	STERLING
State	MA
Zip	01564-2319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RRF
Legal Lot Number	1
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	5
Census Block	5012
Census Tract	719100

Owner

Source: Worcester County and Sterling 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	Individual Name on Record
Mailing Address	20 FORD RD, STERLING, MA 01564-2319
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
May 4, 2021	Other, Transfer
Nov 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage WORKERS CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	20 FORD RD, STERLING, MA 01564-2319
Transaction Type	Mortgage
Record Updated	Feb 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068737-378
Date	Jan 19, 2023
Book Page	68737/378
Instrument	5427

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2043

May 2021: Other, Transfer

Document Type	Other
Jurisdiction	STERLING MA
Recording Date	May 4, 2021
Property Address	20 FORD RD, STERLING, MA 01564-2319
Document Number	65091-71
Book / Page	65091 / 71
Instrument Date	Jul 8, 2020
Instrument	61755
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 FORD RD, STERLING, MA 01564-2319

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	20 FORD RD, STERLING, MA 01564-2319
Document Number	61493-183
Instrument Date	Nov 21, 2019
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 FORD RD STERLING MA 015642319, STERLING, MA 01564-2319

Mortgage

Document Number	61493-183
Date	Nov 26, 2019
Book Page	061493/000183
Instrument	128177

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 25, 2039

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,698.00 (+10.9%)	$693,100 (+13.83%) Land $217,000 Building $476,100	$538,175 (-)
2025	$7,843.00 (+3.91%)	$608,900 (+7.37%) Land $182,300 Building $426,600	$538,175 (-16.98%)
2024	$7,548.00 (+3.65%)	$567,100 (+11.37%) Land $182,300 Building $384,800	$648,280
2023	$7,282.00	$509,200 Land $183,200 Building $326,000

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	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
Adjoins Burnable Land	Yes

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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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