28 Water St, Worcester, MA 01604 Property Records

Worcester County and Worcester City property record for 28 Water St, Worcester, MA 01604

Property Summary

Property Type	Warehouse, Storage
Details	31,816 sqft · built 1890
Lot Size	0.378 acres (16,464 sqft)
Owner	Company Name on Record
Last Sale	$600,000 (May 2019)
Tax Bill	$15,056 (2026)
Deeds & Mortgages	Oct 2020 Refinance Sep 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4-020-0001A`

Property Details

APN / Parcel Number

Primary APN	`4-020-0001A`
Alternative APN	`WORC M:04 B:020 L:0001A`

Interior

Stories	4 Stories
Building Area	31,816 sqft Total Area
Gross Area	39,770 sqft
Basement Area	7,954 sqft
Unfinished Basement	7,954 sqft
Elevator	Elevator

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Rolled Roofing
Lot Area	16,464 sqft (0.378 acres)

Utilities, Heating & Cooling

Heating System	Steam

Location & Zoning

Account Number	4-020-0001A
Street Address	28 WATER ST
City	WORCESTER
State	MA
Zip	01604-4163
Property Category	Industrial
Property Type	Industrial > Warehouse, Storage
Local Zoning Code	BG-3
Legal Block	20
Legal Lot Number	1A
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	1
Census Block	1014
Census Tract	732500

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	75 WILLIAMS ST, CHELSEA, MA 02150-4642
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance EAST BOSTON SAVINGS BANK
Sep 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance EAST BOSTON SAVINGS BANK
May 30, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage EAST BOSTON SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2019 · Amount on Record
Deed Sale	May 30, 2019 · Amount on Record
Prior Sale	Oct 24, 2016 · Amount on Record
Deed Document Number	201948776
Prior Transfer Date	May 23, 2019
Prior Transfer Doc	60472-398
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	28 WATER ST, WORCESTER, MA 01604-4163
Transaction Type	Mortgage
Record Updated	May 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	063489-359
Date	Oct 14, 2020
Book Page	63489/359
Instrument	121796

Lender

Name	EAST BOSTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	28 WATER ST, WORCESTER, MA 01604-4163
Transaction Type	Mortgage
Record Updated	May 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	063287-229
Date	Sep 18, 2020
Book Page	63287/229
Instrument	108323

Lender

Name	EAST BOSTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	May 30, 2019
Property Address	28 WATER ST, WORCESTER, MA 01604-4163
Document Number	060472-398
Book / Page	60472 / 398
Instrument Date	May 23, 2019
Instrument	48776
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Amount	Amount Recorded
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	75 WILLIAMS ST, CHELSEA, MA 02150-3809

Mortgage

Document Number	0000048778
Date	May 30, 2019
Instrument	48778

Lender

Name	EAST BOSTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Worcester City
Unified School District	Worcester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$15,056.00 (+12.97%)	$518,100 (+11.23%) Land $112,500 Building $405,600
2025	$13,327.00 (+49.54%)	$465,800 (+63.38%) Land $104,700 Building $361,100
2023	$8,912.00	$285,100 Land $91,000 Building $194,100

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	22 (1984–2016)
Claims Outside the SFHA	1 of 22
Most Recent Claim	Oct 2016 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Oct 2005 · 4 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	Not rated no burnable land within 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	WORCESTER DPWP, WATER SUPPLY DIVISION serves 206,518 people · EPA ID MA2348000
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	2 ppb (2022–2024) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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