Worcester County and Westborough Town property record for 22 Smith St, Westborough, MA 01581
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,376 sqft · built 1969 |
| Lot Size | 0.488 acres (21,257 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $820,000 (Nov 2023) |
| Tax Bill | $11,412 (2026) |
| Deeds & Mortgages | Jul 2024 Mortgage Oct 2024 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WBOR M:0039 B:000053 L:0 |
| Primary APN | WBOR M:0039 B:000053 L:0 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,376 sqft Living Area |
| Gross Area | 5,169 sqft |
| 1st Floor Area | 1,420 sqft |
| Basement Area | 1,312 sqft |
| Unfinished Basement | 1,312 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,257 sqft (0.488 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Pool Type | In-Ground Pool |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 22 SMITH ST |
|---|---|
| City | WESTBOROUGH |
| State | MA |
| Zip | 01581-1724 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Block | 53 |
| Jurisdiction | WESTBOROUGH MA |
| Township / Civil Division | WESTBOROUGH |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 761200 |
22 Smith St is owned and occupied by two individuals who bought it in November 2023.
Source: Worcester County and Westborough Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 22 SMITH ST, WESTBOROUGH, MA 01581-1724 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 15, 2024 | Deed of Trust, Mortgage · ARM GUARANTEED RATE INC |
| Oct 31, 2024 | Deed of Trust, Mortgage · Line of Credit SHREWSBURY MUNICIPLE EMPLOYEE FED CR UN |
| Nov 30, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 30, 2023 · Amount on File |
| Deed Sale | Nov 30, 2023 · Amount on File |
| Prior Sale | Sep 24, 1968 · Amount on File |
| Deed Book / Page | 69940 / 105 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTBOROUGH MA |
| Property Address | 22 SMITH ST, WESTBOROUGH, MA 01581-1724 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 070755-295 |
|---|---|
| Date | Jul 15, 2024 |
| Book Page | 70755/295 |
| Instrument | 54719 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.98% |
| Type Change Date | Aug 1, 2034 |
| Index | Other |
| Margin | 3 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTBOROUGH MA |
| Property Address | 22 SMITH ST, WESTBOROUGH, MA 01581-1724 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0071232-92 |
|---|---|
| Date | Oct 31, 2024 |
| Book Page | 71232/92 |
| Instrument | 90162 |
| Name | SHREWSBURY MUNICIPLE EMPLOYEE FED CR UN |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WESTBOROUGH MA |
| Recording Date | Nov 30, 2023 |
| Property Address | 22 SMITH ST, WESTBOROUGH, MA 01581-1724 |
| Document Number | 069940-105 |
| Book / Page | 69940 / 105 |
| Instrument Date | Nov 30, 2023 |
| Instrument | 100271 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 22 SMITH ST, WESTBOROUGH, MA 01581-1724 |
| Document Number | 0000100272 |
|---|---|
| Date | Nov 30, 2023 |
| Instrument | 100272 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 22 Smith St was $11,412, up 5.5% from the year before.
Source: Worcester County and Westborough Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Westborough Town |
| Unified School District | Westborough School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $11,412.00 (+5.54%) | $716,400 (+7.92%) Land $357,100 Building $359,300 | $831,595 (-10.09%) |
| 2025 | $10,813.00 (+0.42%) | $663,800 (+1.16%) Land $333,800 Building $330,000 | $924,920 (+6.63%) |
| 2024 | $10,768.00 (+5.39%) | $656,200 (+8.16%) Land $317,700 Building $338,500 | $867,445 |
| 2023 | $10,217.00 | $606,700 Land $299,600 Building $307,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 22 Smith St in Zone X, an area of minimal flood risk.
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 risk around 22 Smith St is low, with 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WESTBOROUGH WATER DEPARTMENT serves 21,567 people · EPA ID MA2328000 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2025 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | Treatment failure resolved · Nov 2025 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Spectrum Cable | 1,000 / 35 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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