289 Sterling Rd, Lancaster, MA 01523 Property Records

Worcester County and Lancaster Town property record for 289 Sterling Rd, Lancaster, MA 01523

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,139 sqft · built 1949
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$255,000 (Feb 2023)
Tax Bill	$9,147 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`LANC M:041.0 B:0000 L:0015.0`

Property Details

APN / Parcel Number

Primary APN	`LANC M:041.0 B:0000 L:0015.0`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,139 sqft Living Area
Gross Area	2,138 sqft
1st Floor Area	1,210 sqft
Basement Area	1,126 sqft
Unfinished Basement	1,126 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1990
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	289 STERLING RD
City	LANCASTER
State	MA
Zip	01523-2903
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	15.0
Jurisdiction	LANCASTER MA
Township / Civil Division	LANCASTER
Census Block Group	2
Census Block	2024
Census Tract	713100

Owner

289 Sterling Rd is owned and occupied by an individual who bought it in February 2023.

Source: Worcester County and Lancaster Town records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	289 STERLING RD, LANCASTER, MA 01523-2903
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
Jul 9, 2026	Quit Claim Deed, Transfer · Conventional Mortgage ROSS MORTGAGE
Feb 17, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage AVIDIA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 17, 2023 · Amount on File
Deed Sale	Feb 17, 2023 · Amount on File
Prior Sale	Nov 17, 1992 · Amount on File
Deed Document Number	202314006
Deed Book / Page	68839 / 11
Prior Transfer Date	Feb 13, 2023
Prior Transfer Doc	0068839-11
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LANCASTER MA
Recording Date	Jul 9, 2026
Property Address	289 STERLING RD, LANCASTER, MA 01523-2903
Document Number	0000057302
Book / Page	73847 / 82
Instrument Date	Jun 25, 2026
Instrument	202657302
Transaction Type	Transfer
Record Updated	Jul 29, 2026

Transaction

Amount	Amount 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	289 STERLING RD, LANCASTER, MA 01523-2903

Mortgage

Date	Jul 9, 2026

Lender

Name	ROSS MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.53%
Max Rate	-1%

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LANCASTER MA
Recording Date	Feb 17, 2023
Property Address	289 STERLING RD, LANCASTER, MA 01523-2903
Document Number	0068839-11
Book / Page	68839 / 11
Instrument Date	Feb 13, 2023
Instrument	14006
Transaction Type	Transfer
Record Updated	Mar 3, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	289 STERLING RD, LANCASTER, MA 01523-2903

Mortgage

Document Number	0000014007
Date	Feb 17, 2023
Instrument	14007

Lender

Name	AVIDIA BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Mar 1, 2028
Max Rate At Change	2.75%
Index	3-Year CMT

Tax Assessment & Valuation

The 2025 property tax bill for 289 Sterling Rd was $9,147.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,147.00	$566,000 Land $119,600 Building $446,400	$628,235 (+45.66%)
2024			$431,300
2023	$8,702.00	$506,200 Land $101,200 Building $405,000

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

Flood

FEMA maps place 289 Sterling Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	9 (1978–2010)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 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

Wildfire risk around 289 Sterling 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	Direct burnable vegetation

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	LANCASTER WATER DEPARTMENT serves 6,000 people · EPA ID MA2147000
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	17 ppb (2024–2026) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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