21 Otto Ave, Worcester, MA 01607 Property Records

Worcester County and Worcester City property record for 21 Otto Ave, Worcester, MA 01607

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,784 sqft · built 1999
Lot Size	1.58 acres (68,817 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Oct 2016)
Tax Bill	$6,750 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Jan 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`45-022-11-22`

Property Details

APN / Parcel Number

Primary APN	`45-022-11-22`
Alternative APNs	`WORC M:45 B:022 L:11-22` `M:45 B:022 L:11=22`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,784 sqft Living Area
Gross Area	3,242 sqft
1st Floor Area	1,160 sqft
Basement Area	576 sqft
Unfinished Basement	576 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	68,817 sqft (1.58 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	45-022-11-22
Street Address	21 OTTO AVE
City	WORCESTER
State	MA
Zip	01607-1254
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Block	22
Legal Lot Number	11-22
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	1
Census Block	1027
Census Tract	732802

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	21 OTTO AVE, WORCESTER, MA 01607-1254
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2026	Deed of Trust, Mortgage · Line of Credit FREEDOM MORTGAGE CORPORATION
Jan 19, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 17, 2023	Deed of Trust, Mortgage · Line of Credit WEBSTER FIRST FEDERAL CREDIT UNION
Jan 26, 2018	Deed of Trust, Mortgage · FHA Mortgage ARK LA TEX SVCS LLC
Feb 4, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2016 · Amount on Record
Deed Sale	Oct 28, 2016 · Amount on Record
Prior Sale	Jan 8, 1998 · Amount on Record
Deed Document Number	2016124123
Deed Book / Page	56218 / 237
Transfer Doc	56218-237
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Recording Date	Sep 21, 2026
Property Address	21 OTTO AVE, WORCESTER, MA 01607-1254
Document Number	0000082574
Book / Page	74194 / 266
Instrument Date	Sep 11, 2026
Instrument	202682574
Transaction Type	Mortgage
Record Updated	Oct 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 OTTO AVE, WORCESTER, MA 01607-1254

Mortgage

Document Number	0000082574,
Date	Sep 21, 2026
Book Page	74194/266
Instrument	202682574

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2046

Interest

Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	21 OTTO AVE, WORCESTER, MA 01607-1254
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066965-237
Date	Jan 19, 2022
Book Page	66965/237
Instrument	6942

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	21 OTTO AVE, WORCESTER, MA 01607-1254
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069893-182
Date	Nov 17, 2023
Book Page	69893/182
Instrument	96446

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	21 OTTO AVE, WORCESTER, MA 01607-1254
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58366-380
Date	Jan 26, 2018
Book Page	58366/380
Instrument	8553

Lender

Name	ARK LA TEX SVCS LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	21 OTTO AVE, WORCESTER, MA 01607-1254
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61844-362
Date	Feb 4, 2020
Book Page	61844/362
Instrument	11693

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Mar 1, 2048

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	Assessed Market Value
2026	$6,750.00 (+4.42%)	$508,300 (+3.71%) Land $142,500 Building $365,800	$506,291 (+13.8%)
2025	$6,464.00 (+3.34%)	$490,100 (+12.36%) Land $124,300 Building $365,800	$444,885 (+2.07%)
2024			$435,860
2023	$6,255.00	$436,200 Land $108,700 Building $327,500

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1978–2000)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Oct 2000 · 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

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

Wildfire Risk	Low lower than 95% of the US · lower than 90% of Massachusetts
Wildfire Likelihood	Under 0.01% 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	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 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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