Worcester County and Upton Town property record for 23 Church St, Upton, MA 01568
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1.5 ba · 1,638 sqft · built 1960 |
| Lot Size | 0.86 acres (37,462 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,096 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage Dec 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | UPTO M:201 L:030 |
| Primary APN | UPTO M:201 L:030 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 1,638 sqft Living Area |
| Gross Area | 4,400 sqft |
| 1st Floor Area | 936 sqft |
| Basement Area | 936 sqft |
| Unfinished Basement | 468 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 37,462 sqft (0.86 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Street Address | 23 CHURCH ST |
|---|---|
| City | UPTON |
| State | MA |
| Zip | 01568-1562 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1 |
| Legal Lot Number | 30 |
| Jurisdiction | UPTON MA |
| Township / Civil Division | UPTON |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 743100 |
23 Church St is owned and occupied by two individuals.
Source: Worcester County and Upton Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 23 CHURCH ST, UPTON, MA 01568-1562 |
| 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 |
|---|---|
| Dec 3, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNIBANK FOR SAVINGS |
| Dec 19, 2023 | Deed of Trust, Mortgage · Line of Credit AVIDIA BANK |
| Aug 28, 2023 | Deed of Trust, Mortgage · Line of Credit AVIDIA BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UPTON MA |
| Property Address | 23 CHURCH ST, UPTON, MA 01568-1562 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2025 |
| Name | Verified Name |
|---|
| Document Number | 072912-277 |
|---|---|
| Date | Dec 3, 2025 |
| Book Page | 72912/277 |
| Instrument | 105389 |
| Name | UNIBANK FOR SAVINGS |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 229 Months |
| Due | Jan 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UPTON MA |
| Property Address | 23 CHURCH ST, UPTON, MA 01568-1562 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Name | Verified Name |
|---|
| Document Number | 070013-218 |
|---|---|
| Date | Dec 19, 2023 |
| Book Page | 70013/218 |
| Instrument | 106139 |
| Name | AVIDIA BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 229 Months |
| Due | Jan 1, 2043 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UPTON MA |
| Property Address | 23 CHURCH ST, UPTON, MA 01568-1562 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0069572-18 |
|---|---|
| Date | Aug 28, 2023 |
| Book Page | 69572/18 |
| Instrument | 71062 |
| Name | AVIDIA BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Sep 1, 2043 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 23 Church St was $7,096, up 3.4% from the year before.
Source: Worcester County and Upton Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Upton Town |
| Unified School District | Mendon-Upton School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,096.00 (+3.4%) | $542,500 (+3.95%) Land $221,400 Building $321,100 | $505,277 (-15.16%) |
| 2025 | $6,863.00 (-1.05%) | $521,900 (+2.94%) Land $221,400 Building $300,500 | $595,555 (+13.04%) |
| 2024 | $6,936.00 (+39.22%) | $507,000 (+41.15%) Land $215,400 Building $291,600 | $526,870 |
| 2023 | $4,982.00 | $359,200 Land $179,500 Building $179,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 23 Church 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 23 Church 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 129 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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