28 Oak St, Berlin, MA 01503 Property Records

Worcester County and Berlin Town property record for 28 Oak St, Berlin, MA 01503

Property Summary

Property Type	Duplex
Details	4 bd · 4.5 ba · 4,180 sqft · built 1945
Lot Size	0.429 acres (18,700 sqft)
Owner	Individual Name on File
Last Sale	$460,000 (Aug 2018)
Tax Bill	$89 (2025)
Deeds & Mortgages	Dec 2024 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15.2-0041-0000.0`

Property Details

APN / Parcel Number

Primary APN	`15.2-0041-0000.0`
Alternative APNs	`BERL M:0152 B:0041 L:0000-0` `M:0152 B:0041 L:0000=0`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Units	2 Units
Stories	3 Stories
Building Area	4,180 sqft Living Area
Gross Area	7,925 sqft
Basement Area	1,144 sqft
Unfinished Basement	1,144 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,700 sqft (0.429 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	15.2-0041-0000.0
Street Address	28 OAK ST
City	BERLIN
State	MA
Zip	01503-1634
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	41
Jurisdiction	BERLIN MA
Township / Civil Division	BERLIN
Census Block Group	1
Census Block	1036
Census Tract	717100

Owner

28 Oak St, a duplex, is owned and occupied by an individual who bought it in August 2018.

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

Owner of Record	Individual Name on File
Mailing Address	28 OAK ST, BERLIN, MA 01503-1634
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
Dec 3, 2024	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Aug 31, 2018	Quit Claim Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2018 · Amount on File
Deed Sale	Aug 31, 2018 · Amount on File
Prior Sale	Nov 16, 2007 · Amount on File
Deed Document Number	201892385
Deed Book / Page	59345 / 354
Transfer Doc	059345-354
Record Updated	Oct 29, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERLIN MA
Property Address	28 OAK ST, BERLIN, MA 01503-1634
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071366-239
Date	Dec 3, 2024
Book Page	71366/239
Instrument	100299

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Jan 1, 2052

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BERLIN MA
Recording Date	Aug 31, 2018
Property Address	28 OAK ST, BERLIN, MA 01503-1634
Document Number	59345-354
Book / Page	59345 / 354
Instrument	92385
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	$41.11
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	593450361
Date	Aug 31, 2018
Instrument	59345/0361

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 31, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 28 Oak St was $89, down 98.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$89.00 (-98.75%)	$629,300 (+12.78%) Land $185,100 Building $444,200	$667,734
2024	$7,115.00 (+1.3%)	$558,000 (+9.95%) Land $185,100 Building $372,900
2023	$7,024.00	$507,500 Land $161,000 Building $346,500

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

Flood

FEMA maps place 28 Oak St in Zone X, an area of minimal flood risk.

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	5 in force

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 Oak St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 98.2% of Massachusetts
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 76 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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