23 Germain St, Worcester, MA 01602 Property Records

Worcester County and Worcester City property record for 23 Germain St, Worcester, MA 01602

Property Summary

Property Type	Duplex
Details	9 bd · 4.5 ba · 5,560 sqft · built 1890
Lot Size	0.202 acres (8,787 sqft)
Owner	Individual Name on Record
Last Sale	$385,000 (May 2004)
Tax Bill	$10,822 (2026)
Deeds & Mortgages	Apr 2021 Refinance Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-009-00009`

Property Details

APN / Parcel Number

Primary APN	`11-009-00009`
Alternative APN	`WORC M:11 B:009 L:00009`

Interior

Bedrooms	9 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Units	2 Units
Stories	3 Stories
Building Area	5,560 sqft Living Area
Gross Area	9,058 sqft
1st Floor Area	2,241 sqft
Basement Area	2,265 sqft
Unfinished Basement	2,265 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,787 sqft (0.202 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	11-009-00009
Street Address	23 GERMAIN ST
City	WORCESTER
State	MA
Zip	01602-2104
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RL-7
Legal Block	9
Legal Lot Number	9
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	2
Census Block	2004
Census Tract	730802

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Hammond Heights listed 1980 · 79 contributing resources · NRIS 80000531

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Worcester County and Worcester City 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	Individual Name on Record
Mailing Address	23 GERMAIN ST, WORCESTER, MA 01602-2104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP
Jun 18, 2018	Deed of Trust, Mortgage DIGITAL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2004 · Amount on Record
Deed Sale	May 3, 2004 · Amount on Record
Deed Document Number	200476388
Deed Book / Page	33500 / 228
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	23 GERMAIN ST, WORCESTER, MA 01602-2104
Transaction Type	Mortgage
Record Updated	May 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	65026-288
Date	Apr 27, 2021
Book Page	65026/288
Instrument	57575

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

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

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	23 GERMAIN ST, WORCESTER, MA 01602-2104
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58964-380
Date	Jun 18, 2018
Book Page	58964/380
Instrument	60178

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2033

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	$10,822.00 (+5.24%)	$814,900 (+4.53%) Land $124,100 Building $690,800	$896,423
2025	$10,283.00 (+12.04%)	$779,600 (+21.81%) Land $118,200 Building $661,400
2023	$9,178.00	$640,000 Land $102,800 Building $537,200

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

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 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 348 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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