Worcester County and Lancaster Town property record for 28 Carter St, Lancaster, MA 01523
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 12 bd · 6.5 ba · 4,160 sqft · built 1900 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $344,200 (Oct 2017) |
| Tax Bill | $9,067 (2025) |
| Deeds & Mortgages | Nov 2021 Refinance Aug 2021 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | LANC M:041.0 B:0000 L:0227.0 |
| Primary APN | LANC M:041.0 B:0000 L:0227.0 |
|---|
| Bedrooms | 12 Beds |
|---|---|
| Full Baths | 6.5 Baths |
| Half Baths | 3 Half Baths |
| Total Rooms | 20 Rooms |
| Units | 4 Units |
| Stories | 2 Stories |
| Building Area | 4,160 sqft Living Area |
| 1st Floor Area | 2,080 sqft |
| Basement Area | 2,080 sqft |
| Unfinished Basement | 2,080 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 12,197 sqft (0.28 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 28 CARTER ST |
|---|---|
| City | LANCASTER |
| State | MA |
| Zip | 01523 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Legal Lot Number | 227.0 |
| Jurisdiction | LANCASTER MA |
| Township / Civil Division | LANCASTER |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 713100 |
Source: Worcester County and Lancaster Town records, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 5 DEBORAH LN, STERLING, MA 01564-2335 |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Nov 17, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance AVIDIA BANK |
| Aug 24, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Oct 20, 2017 | Quit Claim Deed, Transfer FIDELITY COOPERATIVE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 20, 2017 · Amount on Record |
| Deed Sale | Oct 20, 2017 · Amount on Record |
| Deed Book / Page | 57913 / 48 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 28 CARTER ST, LANCASTER, MA 01523 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 066546-301 |
|---|---|
| Date | Nov 17, 2021 |
| Book Page | 66546/301 |
| Instrument | 161014 |
| Name | AVIDIA BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Dec 1, 2046 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LANCASTER MA |
| Recording Date | Aug 24, 2021 |
| Property Address | 28 CARTER ST, LANCASTER, MA 01523 |
| Document Number | 065898-150 |
| Book / Page | 65898 / 150 |
| Instrument Date | Jul 29, 2021 |
| Instrument | 118424 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5 DEBORAH LN, STERLING, MA 01564-2335 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LANCASTER MA |
| Recording Date | Oct 20, 2017 |
| Property Address | 28 CARTER ST, LANCASTER, MA 01523 |
| Document Number | 57913-48 |
| Book / Page | 57913 / 48 |
| Instrument | 116675 |
| Transaction Type | Transfer |
| Record Updated | Jun 10, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $51.48 |
| Amount Accuracy | Non-Arm's Length Transaction |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 28 CARTER ST, LANCASTER, MA 01523 |
| Document Number | 579130051 |
|---|---|
| Date | Oct 20, 2017 |
| Instrument | 57913/0051 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 20, 2047 |
Source: Worcester County and Lancaster Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Lancaster Town |
| Unified School District | Nashoba School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $9,067.00 (+35.11%) | $561,100 (+43.72%) Land $100,900 Building $460,200 |
| 2023 | $6,711.00 | $390,400 Land $85,400 Building $305,000 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 9 (1978–2010) |
| Claims Outside the SFHA | 2 of 9 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 130 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
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