21 Gates Rd, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 21 Gates Rd, Sterling, MA 01564

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,376 sqft · built 1989
Lot Size	0.664 acres (28,918 sqft)
Owner	2 Individual Names on File
Last Sale	$255,000 (Sep 2008)
Tax Bill	$5,601 (2026)
Deeds & Mortgages	Aug 2020 Mortgage Jun 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`STER M:00147 L:00030`

Property Details

APN / Parcel Number

Primary APN	`STER M:00147 L:00030`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,376 sqft Living Area
Gross Area	3,104 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	28,918 sqft (0.664 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	21 GATES RD
City	STERLING
State	MA
Zip	01564-1407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR
Legal Lot Number	30
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	4
Census Block	4048
Census Tract	719100

Owner

21 Gates Rd is owned and occupied by two individuals who bought it in September 2008.

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

Owner of Record	2 Individual Names on File
Mailing Address	21 GATES RD, STERLING, MA 01564-1407
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Aug 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage ROSS MTG CO INC
Jun 10, 2017	Deed of Trust, Mortgage · Line of Credit LEOMINSTER CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2008 · Amount on File
Deed Sale	Sep 5, 2008 · Amount on File
Deed Document Number	200899884
Deed Book / Page	43279 / 86
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	21 GATES RD, STERLING, MA 01564-1407
Document Number	62973-345
Instrument Date	Aug 3, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 GATES RD STERLING MA 015641407, STERLING, MA 01564-1407

Mortgage

Document Number	62973-345
Date	Aug 7, 2020
Book Page	062973/000345
Instrument	87522

Lender

Name	ROSS MTG CO INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 6, 2035

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	21 GATES RD, STERLING, MA 01564-1407
Document Number	57260-173
Book / Page	057260 / 000173
Instrument Date	Jun 10, 2017
Transaction Type	Mortgage
Record Updated	Jul 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57260-173
Date	Jun 15, 2017
Book Page	057260/000173
Instrument	61381

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 14, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 21 Gates Rd was $5,601, down 0.6% from the year before.

Source: Worcester County and Sterling Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Sterling Town
Unified School District	Wachusett School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,601.00 (-0.59%)	$446,300 (+2.03%) Land $139,200 Building $307,100	$418,095 (-)
2025	$5,634.00 (-1.33%)	$437,400 (+1.96%) Land $120,700 Building $316,700	$418,095 (+2.59%)
2024	$5,710.00 (+4.64%)	$429,000 (+12.42%) Land $120,700 Building $308,300	$407,550
2023	$5,457.00	$381,600 Land $120,700 Building $260,900

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

Flood

FEMA maps place 21 Gates Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2026 · rainfall accumulation

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.

Wildfire

Wildfire risk around 21 Gates Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 86% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	STERLING WATER DEPARTMENT serves 6,814 people · EPA ID MA2282000
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	9 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Feb 2024
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Gates Rd

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