20 Upsala St, Worcester, MA 01610 Property Records

Worcester County and Worcester City property record for 20 Upsala St, Worcester, MA 01610

Property Summary

Property Type	Triplex
Details	7 bd · 4 ba · 3,540 sqft · built 1917
Lot Size	0.115 acres (5,006 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (Apr 2015)
Tax Bill	$6,074 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Dec 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-005-00018`

Property Details

APN / Parcel Number

Primary APN	`10-005-00018`
Alternative APN	`WORC M:10 B:005 L:00018`

Interior

Bedrooms	7 Beds
Full Baths	4 Baths
Total Rooms	15 Rooms
Units	3 Units
Stories	3 Stories
Building Area	3,540 sqft Living Area
Gross Area	5,490 sqft
1st Floor Area	1,310 sqft
Basement Area	344 sqft
Unfinished Basement	344 sqft

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Architectural Style	Other
Exterior Material	Combination
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,006 sqft (0.115 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Steam

Location & Zoning

Account Number	10-005-00018
Street Address	20 UPSALA ST
City	WORCESTER
State	MA
Zip	01610-3325
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	RG-5
Legal Subdivision	WALKER & WHITTON
Legal Block	5
Legal Lot Number	18
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3013
Census Tract	732700

Owner

Source: Worcester County and Worcester City 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 UPSALA ST, WORCESTER, MA 01610-3325
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK
Dec 13, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 11, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) SECRETARY HOUSING URBAN DEVELOPMENT
Mar 26, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2015 · Amount on Record
Deed Sale	Apr 28, 2015 · Amount on Record
Prior Sale	May 13, 2002 · Amount on Record
Deed Document Number	201536946
Deed Book / Page	53645 / 216
Transfer Doc	053645-216
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Recording Date	Jul 16, 2026
Property Address	20 UPSALA ST, WORCESTER, MA 01610-3325
Document Number	0000060133
Book / Page	73888 / 234
Instrument Date	Jul 8, 2026
Instrument	202660133
Transaction Type	Mortgage
Record Updated	Aug 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 UPSALA ST, WORCESTER, MA 01610-3325

Mortgage

Document Number	0000060133,
Date	Jul 16, 2026
Book Page	73888/234
Instrument	202660133

Lender

Name	CITIZENS BANK

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2051

Interest

Rate	6.52%
Max Rate	-1%

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	20 UPSALA ST, WORCESTER, MA 01610-3325
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071412-92
Date	Dec 13, 2024
Book Page	71412/92
Instrument	103808

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2056

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	20 UPSALA ST, WORCESTER, MA 01610-3325
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066927-92
Date	Jan 11, 2022
Book Page	66927/92
Instrument	4054

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	349 Months
Due	Feb 1, 2051

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	20 UPSALA ST, WORCESTER, MA 01610-3325
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60188-262
Date	Mar 26, 2019
Book Page	60188/262
Instrument	25768

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2034

Tax Assessment & Valuation

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
2026	$6,074.00 (+3.69%)	$457,400 (+2.99%) Land $86,400 Building $371,000
2025	$5,858.00 (+12.76%)	$444,100 (+22.58%) Land $81,300 Building $362,800
2023	$5,195.00	$362,300 Land $70,700 Building $291,600

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 701 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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