3 Chad Ln, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 3 Chad Ln, Sterling, MA 01564

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,732 sqft · built 2018
Lot Size	1.31 acres (57,275 sqft)
Owner	2 Individual Names on Record
Last Sale	$849,000 (Aug 2025)
Tax Bill	$10,423 (2026)
Deeds & Mortgages	Jan 2021 Refinance Aug 2025 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`STER M:00086 L:040.5`

Property Details

APN / Parcel Number

Primary APN	`STER M:00086 L:040.5`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,732 sqft Living Area
Gross Area	4,582 sqft
Basement Area	1,078 sqft
Unfinished Basement	1,078 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	57,275 sqft (1.31 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3 CHAD LN
City	STERLING
State	MA
Zip	01564-1556
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR
Legal Lot Number	40.5
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	5
Census Block	5029
Census Tract	719100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3 CHAD LN, STERLING, MA 01564-1556
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BNC NATIONAL BANK
Aug 29, 2025	Quit Claim Deed, Transfer
Oct 7, 2021	Quit Claim Deed, Transfer
Sep 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUAD CTY BK&TR
Dec 7, 2018	Quit Claim Deed, Transfer · Conventional Mortgage QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2025 · Amount on Record
Deed Sale	Aug 29, 2025 · Amount on Record
Prior Sale	Oct 7, 2021 · Amount on Record
Deed Document Number	202573595
Deed Book / Page	72466 / 370
Prior Transfer Date	Aug 18, 2025
Prior Transfer Doc	072466-370
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	3 CHAD LN, STERLING, MA 01564-1556
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064264-237
Date	Jan 20, 2021
Book Page	64264/237
Instrument	8381

Lender

Name	BNC NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	Aug 29, 2025
Property Address	3 CHAD LN, STERLING, MA 01564-1556
Document Number	072466-370
Book / Page	72466 / 370
Instrument Date	Aug 18, 2025
Instrument	73595
Transaction Type	Transfer
Record Updated	Feb 9, 2026

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	3 CHAD LN, STERLING, MA 01564-1556

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	Oct 7, 2021
Property Address	3 CHAD LN, STERLING, MA 01564-1556
Document Number	066241-238
Book / Page	66241 / 238
Instrument Date	Oct 4, 2021
Instrument	140987
Transaction Type	Transfer
Record Updated	Feb 9, 2026

Transaction

Amount	Amount Recorded
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 CHAD LN, STERLING, MA 01564-1556
Investor	Possibly a Property Investor

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	3 CHAD LN, STERLING, MA 01564-1556
Document Number	61118-55
Instrument Date	Sep 19, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3 CHAD LN STERLING MA 015641556, STERLING, MA 01564-1556

Mortgage

Document Number	61118-55
Date	Sep 26, 2019
Book Page	061118/000055
Instrument	99815

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2049

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	Dec 7, 2018
Property Address	3 CHAD LN, STERLING, MA 01564-1556
Document Number	59787-290
Book / Page	059787 / 000290
Instrument Date	Dec 6, 2018
Instrument	129545
Transaction Type	Transfer
Record Updated	Dec 26, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,508.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3 CHAD LN STERLING MA 015641556, STERLING, MA 01564-1556

Mortgage

Document Number	59787-293
Date	Dec 7, 2018
Book Page	059787/000293
Instrument	129546

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 6, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,423.00 (+1.7%)	$830,500 (+4.37%) Land $185,600 Building $644,900	$814,027 (+1.28%)
2025	$10,249.00 (+1.21%)	$795,700 (+4.59%) Land $160,800 Building $634,900	$803,700 (+13.89%)
2024	$10,126.00 (+9.13%)	$760,800 (+17.24%) Land $155,400 Building $605,400	$705,660
2023	$9,279.00	$648,900 Land $147,100 Building $501,800

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 · 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	2 in force

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	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	STERLING WATER DEPARTMENT serves 6,814 people · EPA ID MA2282000
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	9 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Feb 2024
Monitoring and Reporting	1 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 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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