25 Ernest Ave, Worcester, MA 01604 Property Records

Worcester County and Worcester City property record for 25 Ernest Ave, Worcester, MA 01604

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,740 sqft · built 1891
Lot Size	0.181 acres (7,888 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,174 (2026)
Deeds & Mortgages	Nov 2020 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`38-009-01+2A`

Property Details

APN / Parcel Number

Primary APN	`38-009-01+2A`
Alternative APN	`WORC M:38 B:009 L:01+2A`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,740 sqft Living Area
Gross Area	2,945 sqft
1st Floor Area	870 sqft
Basement Area	870 sqft
Unfinished Basement	870 sqft

Exterior

Year Built	Built 1891
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Stone
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	7,888 sqft (0.181 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam

Location & Zoning

Account Number	38-009-01+2A
Street Address	25 ERNEST AVE
City	WORCESTER
State	MA
Zip	01604-2325
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL-7
Legal Block	9
Legal Lot Number	1+2A
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	2
Census Block	2000
Census Tract	732302

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	2 Individual Names on Record
Mailing Address	25 ERNEST AVE, WORCESTER, MA 01604-2325
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2020	Deed of Trust, Mortgage · Line of Credit WORCESTER POLICE DEPARTMENT CREDIT UNION
Jul 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage ROSS MTG CO INC
Aug 26, 2019	Deed of Trust, Mortgage · Conventional with PMI ROSS MTG CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	25 ERNEST AVE, WORCESTER, MA 01604-2325
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63673-103
Date	Nov 4, 2020
Book Page	63673/103
Instrument	133797

Lender

Name	WORCESTER POLICE DEPARTMENT CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

Interest

Rate Type	Adjustable Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	25 ERNEST AVE, WORCESTER, MA 01604-2325
Document Number	62820-348
Instrument Date	Jul 13, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 ERNEST AVE WORCESTER MA 016042325, WORCESTER, MA 01604-2325

Mortgage

Document Number	62820-348
Date	Jul 17, 2020
Book Page	062820/000348
Instrument	77352

Lender

Name	ROSS MTG CO INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 16, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	25 ERNEST AVE, WORCESTER, MA 01604-2325
Document Number	60982-157
Instrument Date	Aug 26, 2019
Transaction Type	Mortgage
Record Updated	Sep 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 ERNEST AVE WORCESTER MA 016042325, WORCESTER, MA 01604-2325

Mortgage

Document Number	60982-157
Date	Aug 30, 2019
Book Page	060982/000157
Instrument	89281

Lender

Name	ROSS MTG CO INC

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 29, 2049

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	$5,174.00 (+2.97%)	$389,600 (+2.26%) Land $123,800 Building $265,800	$409,390 (-8.93%)
2025	$5,025.00 (+6.33%)	$381,000 (+15.59%) Land $117,900 Building $263,100	$449,540 (+1.92%)
2024			$441,085
2023	$4,726.00	$329,600 Land $102,500 Building $227,100

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1978–2008)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2008 · 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	Not rated no burnable land within 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 439 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

May also be available: T-Mobile.

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