23 James Rd, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 23 James Rd, Sterling, MA 01564

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,096 sqft · built 1978
Lot Size	1.08 acres (47,045 sqft)
Owner	Individual Name on Record
Last Sale	$752,000 (Aug 2026)
Tax Bill	$8,437 (2026)
Deeds & Mortgages	Aug 2026 Sale Dec 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`STER-106 43`

Property Details

APN / Parcel Number

Primary APN	`STER-106 43`
Alternative APN	`STER M:00106 L:00043`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,096 sqft Living Area
Gross Area	5,306 sqft
Basement Area	1,464 sqft
Unfinished Basement	1,464 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	47,045 sqft (1.08 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Old Parcel Number	STER-106 43
Street Address	23 JAMES RD
City	STERLING
State	MA
Zip	01564-1404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RRF
Legal Lot Number	43
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	4
Census Block	4006
Census Tract	719100

Owner

Source: Worcester County and Sterling Town 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 JAMES RD, UPTON, MA 01568-1009
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2026	Condominium Deed, Transfer
Dec 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance AVIDIA BANK
Dec 28, 2021	Quit Claim Deed, Transfer Quitclaim
Apr 27, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance AVIDIA BANK
May 1, 2017	Quit Claim Deed, Transfer AVIDIA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2026 · Amount on Record
Deed Sale	Aug 13, 2026 · Amount on Record
Prior Sale	Nov 20, 2020 · Amount on Record
Deed Document Number	202670083
Deed Book / Page	74026 / 263
Prior Transfer Date	Dec 22, 2021
Prior Transfer Doc	066837-197
Record Updated	Oct 29, 2026

August 2026: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	UPTON MA
Recording Date	Aug 13, 2026
Property Address	23 JAMES RD, STERLING, MA 01564-1404
Document Number	0000070083
Book / Page	74026 / 263
Instrument Date	Aug 3, 2026
Instrument	202670083
Transaction Type	Transfer
Record Updated	Sep 9, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	23 JAMES RD, STERLING, MA 01564-1404
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066837-202
Date	Dec 28, 2021
Book Page	66837/202
Instrument	181324

Lender

Name	AVIDIA BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	Dec 28, 2021
Property Address	23 JAMES RD, STERLING, MA 01564-1404
Document Number	066837-197
Book / Page	66837 / 197
Instrument Date	Dec 22, 2021
Instrument	181323
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 JAMES RD, STERLING, MA 01564-1404

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	23 JAMES RD, STERLING, MA 01564-1404
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62280-237
Date	Apr 27, 2020
Book Page	62280/237
Instrument	41830

Lender

Name	AVIDIA BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	May 1, 2017
Property Address	23 JAMES RD, STERLING, MA 01564-1404
Document Number	57052-72
Book / Page	57052 / 72
Instrument	43611
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$63.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	570520076
Date	May 1, 2017
Instrument	57052/0076

Lender

Name	AVIDIA BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

Source: Worcester County and Sterling Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Sterling Town
Unified School District	Wachusett School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,437.00 (+2.79%)	$672,300 (+5.49%) Land $181,000 Building $491,300	$763,135 (-)
2025	$8,208.00 (+2.52%)	$637,300 (+5.95%) Land $156,600 Building $480,700	$763,135 (+5.45%)
2024	$8,006.00 (+5.9%)	$601,500 (+13.77%) Land $151,400 Building $450,100	$723,710
2023	$7,560.00	$528,700 Land $143,600 Building $385,100

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2026 · 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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	STERLING WATER DEPARTMENT serves 6,814 people · EPA ID MA2282000
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	9 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Feb 2024
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: T-Mobile, Verizon.

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