Worcester County and Worcester City property record for 20 Onset St, Worcester, MA 01604
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 944 sqft · built 1925 |
| Lot Size | 0.169 acres (7,352 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $320,000 (Dec 2021) |
| Tax Bill | $4,733 (2025) |
| Deeds & Mortgages | Aug 2021 Refinance Mar 2024 Transfer + 8 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 38-023-62+63 |
| Primary APN | 38-023-62+63 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 944 sqft Living Area |
| Gross Area | 1,920 sqft |
| 1st Floor Area | 944 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,352 sqft (0.169 acres) |
| Garage Type | Basement |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 38-023-62+63 |
|---|---|
| Street Address | 20 ONSET ST |
| City | WORCESTER |
| State | MA |
| Zip | 01604-2035 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RL-7 |
| Legal Block | 23 |
| Legal Lot Number | 62+63 |
| Jurisdiction | WORCESTER MA |
| Township / Civil Division | WORCESTER |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 732301 |
Source: Worcester County and Worcester City records · APN 38-023-62+63
Assessment roll updated April 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 ONSET ST, WORCESTER, MA 01604-2035 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 03, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP |
| Mar 25, 2024 | Quit Claim Deed, Transfer Quitclaim |
| Mar 25, 2024 | Quit Claim Deed, Transfer Quitclaim |
| Oct 18, 2019 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jul 10, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Dec 10, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Oct 03, 2018 | Quit Claim Deed, Transfer · FHA Mortgage RADIUS FINANCIAL GRP |
| Feb 26, 2018 | Quit Claim Deed, Transfer MARK MCDERMOTT |
| May 04, 2017 | Warranty Deed, Foreclosure |
| Apr 26, 2017 | Foreclosure |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 10, 2021 · Amount on Record |
| Deed Sale | Dec 10, 2021 · Amount on Record |
| Prior Sale | Oct 03, 2018 · Amount on Record |
| Deed Book / Page | 66720 / 310 |
| Last Transfer Date | Mar 25, 2024 |
| Transfer Doc | 070319-125 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 20 ONSET ST, WORCESTER, MA 01604-2035 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 065759-296 |
|---|---|
| Date | Aug 03, 2021 |
| Book Page | 65759/296 |
| Instrument | 108639 |
| Name | AMERISAVE MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WORCESTER MA |
| Recording Date | Mar 25, 2024 |
| Property Address | 20 ONSET ST, WORCESTER, MA 01604-2035 |
| Document Number | 070319-125 |
| Book / Page | 70319 / 125 |
| Instrument Date | Mar 25, 2024 |
| Instrument | 21075 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 ONSET ST, WORCESTER, MA 01604-2035 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WORCESTER MA |
| Recording Date | Mar 25, 2024 |
| Property Address | 20 ONSET ST, WORCESTER, MA 01604-2035 |
| Document Number | 070319-127 |
| Book / Page | 70319 / 127 |
| Instrument Date | Mar 25, 2024 |
| Instrument | 21076 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 20 ONSET ST, WORCESTER, MA 01604-2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 20 ONSET ST, WORCESTER, MA 01604-2035 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0061259-37 |
|---|---|
| Date | Oct 18, 2019 |
| Book Page | 61259/37 |
| Instrument | 110398 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 20 ONSET ST, WORCESTER, MA 01604-2035 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0062765-94 |
|---|---|
| Date | Jul 10, 2020 |
| Book Page | 62765/94 |
| Instrument | 73910 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Aug 01, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WORCESTER MA |
| Recording Date | Dec 10, 2021 |
| Property Address | 20 ONSET ST, WORCESTER, MA 01604-2035 |
| Document Number | 066720-310 |
| Book / Page | 66720 / 310 |
| Instrument Date | Dec 10, 2021 |
| Instrument | 173008 |
| Transaction Type | Transfer |
| Record Updated | Dec 24, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 20 ONSET ST, WORCESTER, MA 01604-2035 |
| Document Number | 0000173009 |
|---|---|
| Date | Dec 10, 2021 |
| Instrument | 173009 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WORCESTER MA |
| Recording Date | Oct 03, 2018 |
| Property Address | 20 ONSET ST, WORCESTER, MA 01604-2035 |
| Document Number | 59500-173 |
| Book / Page | 59500 / 173 |
| Instrument | 105140 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $27.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 595000176 |
|---|---|
| Date | Oct 03, 2018 |
| Instrument | 59500/0176 |
| Name | RADIUS FINANCIAL GRP |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 03, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WORCESTER MA |
| Recording Date | Feb 26, 2018 |
| Property Address | 20 ONSET ST, WORCESTER, MA 01604-2035 |
| Document Number | 58473-46 |
| Book / Page | 058473 / 000046 |
| Instrument Date | Feb 12, 2018 |
| Instrument | 82 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2018 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $456.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 20 ONSET ST WORCESTER MA 016042035, WORCESTER, MA 01604-2035 |
| Document Number | 58473-50 |
|---|---|
| Date | Feb 26, 2018 |
| Book Page | 058473/000050 |
| Instrument | 83 |
| Name | MARK MCDERMOTT |
|---|
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WORCESTER MA |
| Recording Date | May 04, 2017 |
| Property Address | 20 ONSET ST, WORCESTER, MA 01604-2035 |
| Document Number | 57070-84 |
| Book / Page | 057070 / 000084 |
| Instrument Date | Mar 24, 2017 |
| Instrument | 45097 |
| Transaction Type | Foreclosure |
| Record Updated | May 23, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Investor | Possibly a Property Investor |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | WORCESTER MA |
| Recording Date | Apr 26, 2017 |
| Property Address | 20 ONSET ST, WORCESTER, MA 01604-2035 |
| Document Number | 57025-217 |
| Book / Page | 057025 / 000217 |
| Instrument Date | Mar 24, 2017 |
| Instrument | 41515 |
| Transaction Type | Foreclosure |
| Record Updated | May 16, 2017 |
| Amount | Amount Recorded |
|---|---|
| Tax | $555.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Address | 20 ONSET ST WORCESTER MA 016042035, WORCESTER, MA 01604-2035 |
Source: Worcester County and Worcester City records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Worcester City |
| Unified School District | Worcester School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,733.00 (+6.48%) | $358,800 (+15.74%) Land $117,700 Building $241,100 | $386,270 (+6.41%) |
| 2024 | $362,995 | ||
| 2023 | $4,445.00 | $310,000 Land $102,300 Building $207,700 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), as of November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: AT&T, Verizon.
Based on FCC filings for 172 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MA2348000, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WORCESTER DPWP, WATER SUPPLY DIVISION serves 206,518 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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