3 Bay State Rd, Worcester, MA 01606 Property Records

Worcester County and Worcester City property record for 3 Bay State Rd, Worcester, MA 01606

Property Summary

Property Type	Duplex
Details	6 bd · 2.5 ba · 2,676 sqft · built 1920
Lot Size	0.147 acres (6,416 sqft)
Owner	Individual Name on Record
Last Sale	$645,000 (May 2024)
Tax Bill	$8,110 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Oct 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`36-010-00157`

Property Details

APN / Parcel Number

Primary APN	`36-010-00157`
Alternative APN	`WORC M:36 B:010 L:00157`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,676 sqft Living Area
Gross Area	6,032 sqft
1st Floor Area	1,338 sqft
Attic	Attic
Attic Area	1,456 sqft
Basement Area	1,312 sqft
Unfinished Basement	1,312 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,416 sqft (0.147 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	36-010-00157
Street Address	3 BAY STATE RD
City	WORCESTER
State	MA
Zip	01606-2101
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RS-7
Legal Subdivision	MAPLEWOOD
Legal Block	10
Legal Lot Number	157
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	5
Census Block	5007
Census Tract	730200

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	Individual Name on Record
Mailing Address	3 BAY STATE RD, WORCESTER, MA 01606-2101
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Nov 25, 2025	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING
Oct 18, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FLAGSTAR BANK FSB
May 2, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage AMERANT MORTGAGE
May 3, 2023	Quit Claim Deed, Transfer · Commercial Mortgage BOSTON TRUST LOANS LLC
Oct 18, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2024 · Amount on Record
Deed Sale	May 2, 2024 · Amount on Record
Prior Sale	May 3, 2023 · Amount on Record
Deed Book / Page	70462 / 382
Prior Transfer Date	May 1, 2024
Prior Transfer Doc	070462-382
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	3 BAY STATE RD, WORCESTER, MA 01606-2101
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072886-89
Date	Nov 25, 2025
Book Page	72886/89
Instrument	103466

Lender

Name	SYNERGY ONE LENDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	3 BAY STATE RD, WORCESTER, MA 01606-2101
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066316-103
Date	Oct 18, 2021
Book Page	66316/103
Instrument	146062

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

May 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	May 2, 2024
Property Address	3 BAY STATE RD, WORCESTER, MA 01606-2101
Document Number	070462-382
Book / Page	70462 / 382
Instrument Date	May 1, 2024
Instrument	32303
Transaction Type	Transfer
Record Updated	May 17, 2024

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	3 BAY STATE RD, WORCESTER, MA 01606-2101

Mortgage

Document Number	0000032304
Date	May 2, 2024
Instrument	32304

Lender

Name	AMERANT MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	May 3, 2023
Property Address	3 BAY STATE RD, WORCESTER, MA 01606-2101
Document Number	0069093-22
Book / Page	69093 / 22
Instrument Date	May 3, 2023
Instrument	34077
Transaction Type	Transfer
Record Updated	May 19, 2023

Transaction

Amount	Amount Recorded
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	40 GROVE ST # STE43, STE43, WELLESLEY, MA 02482-7702

Mortgage

Document Number	0000034078
Date	May 3, 2023
Instrument	34078

Lender

Name	BOSTON TRUST LOANS LLC

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	3 BAY STATE RD, WORCESTER, MA 01606-2101
Transaction Type	Mortgage
Record Updated	Nov 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66316-103
Date	Oct 18, 2021
Book Page	66316/103
Instrument	146062

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

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	Assessed Market Value
2026	$8,110.00 (+4.46%)	$610,700 (+3.75%) Land $117,500 Building $493,200	$636,251
2025	$7,764.00 (+35.81%)	$588,600 (+47.63%) Land $111,900 Building $476,700
2023	$5,717.00	$398,700 Land $97,300 Building $301,400

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 735 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
Verizon Fixed Wireless	300 / 20

May also be available: Netafy, T-Mobile.

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