21 Howarth Dr, Upton, MA 01568 Property Records

Worcester County and Upton Town property record for 21 Howarth Dr, Upton, MA 01568

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 3,016 sqft · built 2008
Lot Size	1.37 acres (59,677 sqft)
Owner	2 Individual Names on Record
Last Sale	$920,000 (Jun 2022)
Tax Bill	$11,607 (2026)
Deeds & Mortgages	Aug 2021 Refinance Nov 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:005 B:L:020-25`

Property Details

APN / Parcel Number

Primary APN	`M:005 B:L:020-25`
Alternative APNs	`UPTO M:005 L:020.25` `137`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	3,016 sqft Living Area
Gross Area	5,084 sqft
1st Floor Area	1,428 sqft
Basement Area	1,428 sqft
Unfinished Basement	1,428 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	59,677 sqft (1.37 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	21 HOWARTH DR
City	UPTON
State	MA
Zip	01568-2514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	5
Legal Subdivision	PROPOSED OPEN SP
Legal Lot Number	20.25
Jurisdiction	UPTON MA
Township / Civil Division	UPTON
Census Block Group	1
Census Block	1002
Census Tract	743100

Owner

Source: Worcester County and Upton Town 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	2 Individual Names on Record
Mailing Address	21 HOWARTH DR, UPTON, MA 01568-2514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
Nov 22, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jun 30, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2022 · Amount on Record
Deed Sale	Jun 30, 2022 · Amount on Record
Prior Sale	Apr 24, 2008 · Amount on Record
Deed Book / Page	67836 / 155
Prior Transfer Date	Jun 29, 2022
Prior Transfer Doc	067836-155
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UPTON MA
Property Address	21 HOWARTH DR, UPTON, MA 01568-2514
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065924-290
Date	Aug 27, 2021
Book Page	65924/290
Instrument	120413

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UPTON MA
Property Address	21 HOWARTH DR, UPTON, MA 01568-2514
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068519-104
Date	Nov 22, 2022
Book Page	68519/104
Instrument	125072

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UPTON MA
Recording Date	Jun 30, 2022
Property Address	21 HOWARTH DR, UPTON, MA 01568-2514
Document Number	067836-155
Book / Page	67836 / 155
Instrument Date	Jun 29, 2022
Instrument	71490
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	21 HOWARTH DR, UPTON, MA 01568-2514

Mortgage

Document Number	0000071491
Date	Jun 30, 2022
Instrument	71491

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,607.00 (+0.77%)	$887,400 (+1.31%) Land $258,700 Building $628,700	$956,150 (+9.27%)
2025	$11,518.00 (+0.66%)	$875,900 (+4.71%) Land $258,700 Building $617,200	$875,045 (-1.49%)
2024	$11,443.00 (+46.11%)	$836,500 (+48.13%) Land $251,500 Building $585,000	$888,250
2023	$7,832.00	$564,700 Land $179,700 Building $385,000

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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

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

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	UPTON DPW WATER/WASTEWATER DIVISION serves 4,420 people · EPA ID MA2303000
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	11 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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