280 Sterling Rd, Jefferson, MA 01522 Property Records

Worcester County and Holden Town property record for 280 Sterling Rd, Jefferson, MA 01522

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,984 sqft · built 1900
Lot Size	20.4 acres (889,420 sqft)
Owner	Individual Name on File
Last Sale	$312,450 (Oct 2018)
Tax Bill	$6,301 (2026)
Deeds & Mortgages	Jan 2024 Refinance Oct 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HOLD M:11 B:4`

Property Details

APN / Parcel Number

Primary APN	`HOLD M:11 B:4`
Alternative APNs	`M:00011 P:00004` `52`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,984 sqft Living Area
Gross Area	3,764 sqft
1st Floor Area	1,184 sqft
Basement Area	1,184 sqft
Unfinished Basement	1,184 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	889,420 sqft (20.4 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	52
Street Address	280 STERLING RD
City	JEFFERSON
State	MA
Zip	01522-1332
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Block	4
Jurisdiction	HOLDEN MA
Township / Civil Division	HOLDEN
Census Block Group	3
Census Block	3000
Census Tract	728400

Owner

280 Sterling Rd is owned and occupied by an individual who bought it in October 2018.

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

Owner of Record	Individual Name on File
Mailing Address	280 STERLING RD, JEFFERSON, MA 01522-1332
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
Jan 10, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Oct 3, 2018	Quit Claim Deed, Transfer UNITED WHOLESALE MORTGAGE
Nov 21, 2017	Deed of Trust, Mortgage · Line of Credit LEOMINSTER CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2018 · Amount on File
Deed Sale	Oct 3, 2018 · Amount on File
Prior Sale	Jul 29, 2010
Deed Book / Page	59501 / 130
Transfer Doc	059501-130
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	280 STERLING RD, JEFFERSON, MA 01522-1332
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070080-102
Date	Jan 10, 2024
Book Page	70080/102
Instrument	2052

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Feb 1, 2053

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLDEN MA
Recording Date	Oct 3, 2018
Property Address	280 STERLING RD, JEFFERSON, MA 01522-1332
Document Number	59501-130
Book / Page	59501 / 130
Instrument	105234
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	$50.47
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	595010133
Date	Oct 3, 2018
Instrument	59501/0133

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 3, 2048

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	280 STERLING RD, JEFFERSON, MA 01522-1332
Document Number	58088-196
Book / Page	058088 / 000196
Instrument Date	Nov 21, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58088-196
Date	Nov 27, 2017
Book Page	058088/000196
Instrument	131641

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Nov 26, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 280 Sterling Rd was $6,301, up 2.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,301.00 (+2.49%)	$467,400 (+5.37%) Land $224,600 Building $242,800	$566,521 (+4.02%)
2025	$6,148.00 (+5.22%)	$443,600 (+7.44%) Land $213,800 Building $229,800	$544,635
2024	$5,843.00 (+6.45%)	$412,900 (+12.75%) Land $208,600 Building $204,300
2023	$5,489.00	$366,200 Land $180,900 Building $185,300

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

Flood

FEMA maps place 280 Sterling Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

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	1 in force
Nearby Flood Claims	2 (1979–1984)
Most Recent Claim	Apr 1984 · tidal / storm surge

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 280 Sterling Rd 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 80% of the US · above 57% 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

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