20 Kalmar St, Worcester, MA 01606 Property Records

Worcester County and Worcester City property record for 20 Kalmar St, Worcester, MA 01606

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,440 sqft · built 1928
Lot Size	0.117 acres (5,100 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Dec 2016)
Tax Bill	$6,883 (2026)
Deeds & Mortgages	Oct 2021 Line of Credit Aug 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`12-005-00013`

Property Details

APN / Parcel Number

Primary APN	`12-005-00013`
Alternative APN	`WORC M:12 B:005 L:00013`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,440 sqft Living Area
Gross Area	5,419 sqft
1st Floor Area	1,220 sqft
Attic	Attic
Attic Area	1,352 sqft
Basement Area	1,330 sqft
Unfinished Basement	1,330 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,100 sqft (0.117 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Steam

Location & Zoning

Account Number	12-005-00013
Street Address	20 KALMAR ST
City	WORCESTER
State	MA
Zip	01606-2315
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RL-7
Legal Block	5
Legal Lot Number	13
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	4
Census Block	4004
Census Tract	730300

Owner

20 Kalmar St, a duplex, is owned and occupied by an individual who bought it in December 2016.

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

Owner of Record	Individual Name on File
Mailing Address	20 KALMAR ST, WORCESTER, MA 01606-2315
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2021	Deed of Trust, Mortgage · Line of Credit SANTANDER BANK NA
Aug 22, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance SECURITY FIRST MORTGAGE FUNDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2016 · Amount on File
Deed Sale	Dec 16, 2016 · Amount on File
Deed Book / Page	56478 / 86
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	20 KALMAR ST, WORCESTER, MA 01606-2315
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066297-207
Date	Oct 14, 2021
Book Page	66297/207
Instrument	144693

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	20 KALMAR ST, WORCESTER, MA 01606-2315
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60917-338
Date	Aug 22, 2019
Book Page	60917/338
Instrument	84191

Lender

Name	SECURITY FIRST MORTGAGE FUNDING

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 20 Kalmar St was $6,883, up 5.4% 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	$6,883.00 (+5.36%)	$518,300 (+4.64%) Land $103,800 Building $414,500	$517,822
2025	$6,533.00	$495,300 Land $98,900 Building $396,400
2023	$5,793.00	$404,000 Land $86,000 Building $318,000

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

Flood

FEMA maps place 20 Kalmar 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 Kalmar 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 601 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Netafy, T-Mobile, Verizon.

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