Worcester County and Worcester City property record for 23 Garnet St, Worcester, MA 01607
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,248 sqft · built 1990 |
| Lot Size | 0.46 acres (20,050 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,152 (2025) |
| Deeds & Mortgages | Feb 2025 Reverse Mortgage Feb 2025 Reverse Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 45-001-0005A |
| Primary APN | 45-001-0005A |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,248 sqft Living Area |
| Gross Area | 2,784 sqft |
| 1st Floor Area | 1,248 sqft |
| Basement Area | 1,248 sqft |
| Unfinished Basement | 1,248 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,050 sqft (0.46 acres) |
| Garage Type | Basement |
| Deck Area | Deck Area |
| Heating Fuel | Electric |
|---|
| Account Number | 45-001-0005A |
|---|---|
| Street Address | 23 GARNET ST |
| City | WORCESTER |
| State | MA |
| Zip | 01607-1213 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-7 |
| Legal Block | 1 |
| Legal Lot Number | 5A |
| Jurisdiction | WORCESTER MA |
| Township / Civil Division | WORCESTER |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 732802 |
Source: Worcester County and Worcester City records · APN 45-001-0005A
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 23 GARNET ST, WORCESTER, MA 01607-1213 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 24, 2025 | Deed of Trust, Mortgage · Reverse Mortgage FINANCE AMERICA LLC |
| Feb 24, 2025 | Deed of Trust, Mortgage · Reverse Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| May 15, 2017 | Deed of Trust, Mortgage COMMERCE BANK & TRUST CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 23 GARNET ST, WORCESTER, MA 01607-1213 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0071666-46 |
|---|---|
| Date | Feb 24, 2025 |
| Book Page | 71666/46 |
| Instrument | 14217 |
| Name | FINANCE AMERICA LLC |
|---|---|
| Type | Subprime Lender |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 973 Months |
| Due | Mar 01, 2106 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.87% |
| Type Change Date | Mar 01, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 23 GARNET ST, WORCESTER, MA 01607-1213 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0071666-64 |
|---|---|
| Date | Feb 24, 2025 |
| Book Page | 71666/64 |
| Instrument | 14218 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 973 Months |
| Due | Mar 01, 2106 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.87% |
| Type Change Date | Mar 01, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 23 GARNET ST, WORCESTER, MA 01607-1213 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 57111-64 |
|---|---|
| Date | May 15, 2017 |
| Book Page | 57111/64 |
| Instrument | 48478 |
| Name | COMMERCE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
Source: Worcester County and Worcester City records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Worcester City |
| Unified School District | Worcester School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,152.00 (+5.7%) | $390,600 (+14.92%) Land $119,400 Building $271,200 | $383,990 (-5.98%) |
| 2024 | $408,405 | ||
| 2023 | $4,874.00 | $339,900 Land $103,800 Building $236,100 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), as of November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277328021, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| Wildfire Risk | Low lower than 96% of the US · lower than 92% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
May also be available: AT&T.
Based on FCC filings for 110 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MA2348000, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WORCESTER DPWP, WATER SUPPLY DIVISION serves 206,518 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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