257 Neck Rd, Lancaster, MA 01523 Property Records

Worcester County and Lancaster Town property record for 257 Neck Rd, Lancaster, MA 01523

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,404 sqft · built 1976
Lot Size	0.72 acres (31,363 sqft)
Owner	2 Individual Names on Record
Last Sale	$332,500 (Feb 2015)
Tax Bill	$7,737 (2025)
Deeds & Mortgages	Mar 2022 Refinance Jan 2025 Refinance + 2 more
Flood Zone	Zone AE (high risk)
APN	`LANC M:034.0 B:0000 L:0045.B`

Property Details

APN / Parcel Number

Primary APN	`LANC M:034.0 B:0000 L:0045.B`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,404 sqft Living Area
1st Floor Area	1,404 sqft
Basement Area	1,404 sqft
Unfinished Basement	304 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1995
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	31,363 sqft (0.72 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	257 NECK RD
City	LANCASTER
State	MA
Zip	01523-2240
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CLIFFORD CARLSON
Legal Lot Number	45.B
Jurisdiction	LANCASTER MA
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1020
Census Tract	713100

Owner

Source: Worcester County and Lancaster Town records, as of July 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	257 NECK RD, LANCASTER, MA 01523-2240
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Jan 21, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Sep 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE
Sep 12, 2018	Deed of Trust, Mortgage · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2015 · Amount on Record
Deed Sale	Feb 26, 2015 · Amount on Record
Prior Sale	Nov 17, 2008 · Amount on Record
Deed Book / Page	53403 / 155
Transfer Doc	2103000291
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER MA
Property Address	257 NECK RD, LANCASTER, MA 01523-2240
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	067239-336
Date	Mar 9, 2022
Book Page	67239/336
Instrument	26909

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

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

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER MA
Property Address	257 NECK RD, LANCASTER, MA 01523-2240
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	071549-122
Date	Jan 21, 2025
Book Page	71549/122
Instrument	5028

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2055

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER MA
Property Address	257 NECK RD, LANCASTER, MA 01523-2240
Document Number	61144-233
Instrument Date	Sep 25, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	257 NECK RD LANCASTER MA 015232240, LANCASTER, MA 01523-2240

Mortgage

Document Number	61144-233
Date	Sep 30, 2019
Book Page	061144/000233
Instrument	101749

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2049

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER MA
Property Address	257 NECK RD, LANCASTER, MA 01523-2240
Document Number	59412-347
Instrument Date	Sep 12, 2018
Transaction Type	Mortgage
Record Updated	Oct 9, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	257 NECK RD LANCASTER MA 015232240, LANCASTER, MA 01523-2240

Mortgage

Document Number	59412-347
Date	Sep 17, 2018
Book Page	059412/000347
Instrument	98023

Lender

Name	GUARANTEED RATE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 16, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,737.00 (+5.04%)	$478,800 (+11.74%) Land $113,600 Building $365,200	$566,770 (-1.21%)
2024			$573,705
2023	$7,366.00	$428,500 Land $96,100 Building $332,400

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	2 in force
Nearby Flood Claims	27 (1978–2010)
Claims Outside the SFHA	4 of 27
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 4 claims Severe Storms & Flooding, Apr 1987 · 3 claims

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	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	LANCASTER WATER DEPARTMENT serves 6,000 people · EPA ID MA2147000
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	17 ppb (2024–2026) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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