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21 Elm St, Upton, MA 01568 Property Records

Worcester County and Upton Town property record for 21 Elm St, Upton, MA 01568 · Last verified April 2026

Property Summary

Property TypeDuplex
Details2 bd · 1.5 ba · 2,066 sqft · built 1851
Lot Size1.4 acres (60,984 sqft)
OwnerIndividual Name on File
Last Sale$265,000 (Dec 2016)
Tax Bill$5,728 (2025)
Deeds & MortgagesMar 2021 Line of Credit
Oct 2019 Refinance
Flood ZoneZone X (minimal risk)
APNUPTO M:021 L:031

Property Details

APN / Parcel Number

Primary APNUPTO M:021 L:031
Alternative APNs
  • M:021 B:L:031
  • 1326

Interior

Bedrooms2 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms5 Rooms
Units2 Units
Stories2 Stories
Building Area2,066 sqft Living Area
Gross Area3,743 sqft
1st Floor Area1,174 sqft
Basement Area1,174 sqft
Unfinished Basement1,174 sqft

Exterior

Year BuiltBuilt 1851
Effective Year BuiltEffective 1851
Architectural StyleConventional
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area60,984 sqft (1.4 acres)
Garage TypeAttached

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelOil

Location & Zoning

Street Address21 ELM ST
CityUPTON
StateMA
Zip01568-1320
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Legal Lot Number31
JurisdictionUPTON MA
Township / Civil DivisionUPTON
Census Block Group1
Census Block1023
Census Tract743100

Owner

Source: Worcester County and Upton Town records · APN UPTO M:021 L:031

Assessment roll updated April 14, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address97 BLACKSTONE ST, MENDON, MA 01756-1300
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 08, 2021Deed of Trust, Mortgage · Line of Credit
CENTRAL ONE FEDERAL CREDIT UNION
Oct 08, 2019Deed of Trust, Mortgage · Stand-Alone Refinance
SALEM FIVE MORTGAGE CORP

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 16, 2016 · Amount on Record
Deed SaleDec 16, 2016 · Amount on Record
Prior SaleAug 05, 2015
Deed Book / Page56481 / 360
Transfer Doc54118-130
Record UpdatedJun 08, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionUPTON MA
Property Address21 ELM ST, UPTON, MA 01568-1320
Transaction TypeMortgage
Record UpdatedApr 03, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0064627-54
DateMar 08, 2021
Book Page64627/54
Instrument31708
Lender
NameCENTRAL ONE FEDERAL CREDIT UNION
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

October 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionUPTON MA
Property Address21 ELM ST, UPTON, MA 01568-1320
Transaction TypeMortgage
Record UpdatedFeb 07, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number61195-24
DateOct 08, 2019
Book Page61195/24
Instrument105542
Lender
NameSALEM FIVE MORTGAGE CORP
TypeMortgage Company
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term361 Months
DueNov 01, 2049

Tax Assessment & Valuation

Source: Worcester County and Upton Town records · Assessment roll updated April 14, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyWorcester County
County SubdivisionUpton Town
Unified School DistrictMendon-Upton School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2025$5,728.00 (+12.53%)$435,600 (+17.07%) Land $228,000 Building $207,600
2024$5,090.00 (+22.95%)$372,100 (+24.66%) Land $206,300 Building $165,800
2023$4,140.00$298,500 Land $170,100 Building $128,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277431001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies2 in force

Wildfire

Wildfire RiskLow
above 20% of the US · above 58% of Massachusetts
Wildfire LikelihoodAbout 1 in 5,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 45 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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