28 James Rd, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 28 James Rd, Sterling, MA 01564

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,848 sqft · built 1979
Lot Size	1.32 acres (57,499 sqft)
Owner	Individual Name on File
Last Sale	$366,000 (May 2019)
Tax Bill	$6,636 (2026)
Deeds & Mortgages	Feb 2026 Second Mortgage May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`STER M:00106 L:00032`

Property Details

APN / Parcel Number

Primary APN	`STER M:00106 L:00032`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,848 sqft Living Area
Gross Area	3,499 sqft
Basement Area	790 sqft
Unfinished Basement	790 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Contemporary
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	57,499 sqft (1.32 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	28 JAMES RD
City	STERLING
State	MA
Zip	01564-1404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RRF
Legal Subdivision	KENDALL HILL ESTATES
Legal Lot Number	32
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	4
Census Block	4004
Census Tract	719100

Owner

28 James Rd is owned and occupied by an individual who bought it in May 2019.

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

Owner of Record	Individual Name on File
Mailing Address	28 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
Feb 4, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CLINTON SAVINGS BANK
May 20, 2019	Quit Claim Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Dec 17, 2018	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2019 · Amount on File
Deed Sale	May 20, 2019 · Amount on File
Prior Sale	May 23, 2014 · Amount on File
Deed Book / Page	60426 / 367
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	28 JAMES RD, STERLING, MA 01564-1404
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	073160-254
Date	Feb 4, 2026
Book Page	73160/254
Instrument	8855

Lender

Name	CLINTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2046

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	May 20, 2019
Property Address	28 JAMES RD, STERLING, MA 01564-1404
Document Number	60426-367
Book / Page	60426 / 367
Instrument Date	May 20, 2019
Instrument	45101
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Address	28 JAMES RD, STERLING, MA 01564-1404

Mortgage

Document Number	45102
Date	May 20, 2019
Instrument	45102

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	Dec 17, 2018
Property Address	28 JAMES RD, STERLING, MA 01564-1404
Document Number	59828-185
Book / Page	059828 / 000185
Instrument Date	Oct 17, 2018
Instrument	133012
Transaction Type	Transfer
Record Updated	Jan 8, 2019

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 CHASE ST WEST NEWBURY MA 019851602, WEST NEWBURY, MA 01985-1602

Tax Assessment & Valuation

The 2026 property tax bill for 28 James Rd was $6,636, up 0.9% 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	$6,636.00 (+0.88%)	$528,800 (+3.54%) Land $185,600 Building $343,200	$591,280 (-)
2025	$6,578.00 (+1.92%)	$510,700 (+5.32%) Land $160,900 Building $349,800	$591,280 (+8.17%)
2024	$6,454.00 (+6.7%)	$484,900 (+14.63%) Land $155,500 Building $329,400	$546,630
2023	$6,049.00	$423,000 Land $147,100 Building $275,900

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

Flood

FEMA maps place 28 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 28 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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