Worcester County and Worcester City property record for 281 Heard St, Worcester, MA 01603
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,612 sqft · built 1893 |
| Lot Size | 0.732 acres (31,867 sqft) |
| Owner | Individual Name on File |
| Last Sale | $270,000 (Oct 2019) |
| Tax Bill | $5,050 (2026) |
| Deeds & Mortgages | Jul 2021 Mortgage Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-008-00005 |
| Primary APN | 27-008-00005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,612 sqft Living Area |
| Gross Area | 2,914 sqft |
| 1st Floor Area | 871 sqft |
| Basement Area | 741 sqft |
| Unfinished Basement | 741 sqft |
| Year Built | Built 1893 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Stone |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 31,867 sqft (0.732 acres) |
| Garage Type | Basement |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|
| Account Number | 27-008-00005 |
|---|---|
| Street Address | 281 HEARD ST |
| City | WORCESTER |
| State | MA |
| Zip | 01603-1736 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-7 |
| Legal Block | 8 |
| Legal Lot Number | 5 |
| Jurisdiction | WORCESTER MA |
| Township / Civil Division | WORCESTER |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 733101 |
281 Heard St is owned and occupied by an individual who bought it in October 2019.
Source: Worcester County and Worcester City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 281 HEARD ST, WORCESTER, MA 01603-1736 |
| 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.
| Date | Document |
|---|---|
| Jul 15, 2021 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Oct 9, 2019 | Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 9, 2019 · Amount on File |
| Deed Sale | Oct 9, 2019 · Amount on File |
| Prior Sale | Nov 21, 2014 · Amount on File |
| Deed Document Number | 2019106164 |
| Deed Book / Page | 61204 / 55 |
| Prior Transfer Date | Oct 3, 2019 |
| Prior Transfer Doc | 61204-55 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 281 HEARD ST, WORCESTER, MA 01603-1736 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 065616-345 |
|---|---|
| Date | Jul 15, 2021 |
| Book Page | 65616/345 |
| Instrument | 98255 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 337 Months |
| Due | Aug 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WORCESTER MA |
| Recording Date | Oct 9, 2019 |
| Property Address | 281 HEARD ST, WORCESTER, MA 01603-1736 |
| Document Number | 61204-55 |
| Book / Page | 61204 / 55 |
| Instrument Date | Oct 3, 2019 |
| Instrument | 106164 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 281 HEARD ST, WORCESTER, MA 01603-1736 |
| Document Number | 106165 |
|---|---|
| Date | Oct 9, 2019 |
| Instrument | 106165 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 281 Heard St was $5,050, up 4% from the year before.
Source: Worcester County and Worcester City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Worcester City |
| Unified School District | Worcester School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,050.00 (+3.95%) | $380,300 (+3.26%) Land $109,500 Building $270,800 | $433,704 (+3.43%) |
| 2025 | $4,858.00 | $368,300 Land $100,300 Building $268,000 | $419,330 (+5.45%) |
| 2024 | $397,670 | ||
| 2023 | $4,465.00 | $311,400 Land $87,400 Building $224,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 281 Heard St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1996.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 5 (1996–2015) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Jul 2015 · other causes |
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 risk around 281 Heard St is low, with less than 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 96% of the US · lower than 92% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 365 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
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