Worcester County and Worcester City property record for 20 Howland Ter, Worcester, MA 01602
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,637 sqft · built 1920 |
| Lot Size | 0.15 acres (6,555 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $96,400 (Apr 1999) |
| Tax Bill | $4,964 (2026) |
| Deeds & Mortgages | Mar 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-021-00045 |
| Primary APN | 24-021-00045 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,637 sqft Living Area |
| Gross Area | 3,052 sqft |
| 1st Floor Area | 944 sqft |
| Basement Area | 924 sqft |
| Unfinished Basement | 924 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,555 sqft (0.15 acres) |
| Garage Type | Basement |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Account Number | 24-021-00045 |
|---|---|
| Street Address | 20 HOWLAND TER |
| City | WORCESTER |
| State | MA |
| Zip | 01602-2607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-7 |
| Legal Block | 21 |
| Legal Lot Number | 45 |
| Jurisdiction | WORCESTER MA |
| Township / Civil Division | WORCESTER |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 730901 |
20 Howland Ter is owned and occupied by two individuals who bought it in April 1999.
Source: Worcester County and Worcester City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 HOWLAND TER, WORCESTER, MA 01602-2607 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 7, 1999 · Amount on File |
| Deed Sale | Apr 7, 1999 · Amount on File |
| Deed Book / Page | 21246 / 142 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 20 HOWLAND TER, WORCESTER, MA 01602-2607 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 58600-163 |
|---|---|
| Date | Mar 29, 2018 |
| Book Page | 58600/163 |
| Instrument | 29184 |
| Name | HOWARD BANK |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Mar 1, 2038 |
The 2026 property tax bill for 20 Howland Ter was $4,964, up 3.7% 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 | $4,964.00 (+3.68%) | $373,800 (+2.98%) Land $118,900 Building $254,900 | $436,079 (+0.69%) |
| 2025 | $4,788.00 | $363,000 Land $113,300 Building $249,700 | $433,105 (+14.61%) |
| 2024 | $377,910 | ||
| 2023 | $4,504.00 | $314,100 Land $98,500 Building $215,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Howland Ter in Zone X, an area of minimal flood risk.
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 |
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 Howland Ter 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 775 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
May also be available: T-Mobile.
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