27 James Rd, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 27 James Rd, Sterling, MA 01564

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,968 sqft · built 1979
Lot Size	1.08 acres (47,045 sqft)
Owner	2 Individual Names on File
Last Sale	$361,500 (Sep 2009)
Tax Bill	$8,888 (2026)
Deeds & Mortgages	Apr 2022 Refinance Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`STER M:00106 L:00045`

Property Details

APN / Parcel Number

Primary APN	`STER M:00106 L:00045`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,968 sqft Living Area
Gross Area	4,477 sqft
Basement Area	1,294 sqft
Unfinished Basement	1,294 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	47,045 sqft (1.08 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	27 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	45
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	4
Census Block	4006
Census Tract	719100

Owner

27 James Rd is owned and occupied by two individuals who bought it in September 2009.

Source: Worcester County and Sterling Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	27 JAMES RD, STERLING, MA 01564-1404
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance LEOMINSTER CU
Sep 17, 2020	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2009 · Amount on File
Deed Sale	Sep 30, 2009 · Amount on File
Prior Sale	Jul 17, 1990 · Amount on File
Deed Document Number	2009115965
Deed Book / Page	44910 / 266
Transfer Doc	0000065385
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	27 JAMES RD, STERLING, MA 01564-1404
Transaction Type	Mortgage
Record Updated	Apr 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067389-371
Date	Apr 6, 2022
Book Page	67389/371
Instrument	37916

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	May 1, 2032

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	27 JAMES RD, STERLING, MA 01564-1404
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63278-378
Date	Sep 17, 2020
Book Page	63278/378
Instrument	107799

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 27 James Rd was $8,888, up 10.2% from the year before.

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	$8,888.00 (+10.23%)	$708,200 (+13.13%) Land $181,000 Building $527,200	$659,395 (-)
2025	$8,063.00 (+5.37%)	$626,000 (+8.89%) Land $156,600 Building $469,400	$659,395 (+11.72%)
2024	$7,652.00 (+5.79%)	$574,900 (+13.66%) Land $151,400 Building $423,500	$590,235
2023	$7,233.00	$505,800 Land $143,600 Building $362,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 27 James Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.

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

Wildfire risk around 27 James Rd is low, with a 0.01% annual chance of 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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