3 Chestnut Ave, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 3 Chestnut Ave, Sterling, MA 01564

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 728 sqft · built 1920
Lot Size	0.17 acres (7,417 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (May 2025)
Tax Bill	$3,517 (2026)
Deeds & Mortgages	Apr 2026 Mortgage May 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10069`

Property Details

APN / Parcel Number

Primary APN	`10069`
Alternative APN	`STER M:00175 L:00069`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	728 sqft Living Area
Gross Area	896 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Rustic
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,417 sqft (0.17 acres)

Utilities, Heating & Cooling

Heating Fuel	Wood

Location & Zoning

Account Number	10069
Street Address	3 CHESTNUT AVE
City	STERLING
State	MA
Zip	01564-1436
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR
Legal Lot Number	69
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	4
Census Block	4038
Census Tract	719100

Owner

Source: Worcester County and Sterling Town 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 CHESTNUT AVE, STERLING, MA 01564-1436
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage JEANNE D'ARC CREDIT UNION
May 13, 2025	Quit Claim Deed, Transfer · FHA Mortgage OCMBC INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2025 · Amount on Record
Deed Sale	May 13, 2025 · Amount on Record
Prior Sale	Nov 19, 2024 · Amount on Record
Deed Document Number	202537524
Deed Book / Page	71976 / 107
Prior Transfer Date	May 12, 2025
Prior Transfer Doc	071976-107
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Recording Date	Apr 21, 2026
Property Address	3 CHESTNUT AVE, STERLING, MA 01564-1436
Document Number	073465-269
Book / Page	73465 / 269
Instrument Date	Apr 16, 2026
Instrument	202630110
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 CHESTNUT AVE, STERLING, MA 01564-1436

Mortgage

Document Number	0000030110,
Date	Apr 21, 2026
Book Page	73465/269
Instrument	202630110

Lender

Name	JEANNE D'ARC CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Initial Type	Adjustable Rate
Type Change Date	May 1, 2033
Index	1-Year CMT
Margin	3
Max Rate	-1%

May 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	May 13, 2025
Property Address	3 CHESTNUT AVE, STERLING, MA 01564-1436
Document Number	071976-107
Book / Page	71976 / 107
Instrument Date	May 12, 2025
Instrument	37524
Transaction Type	Transfer
Record Updated	Nov 19, 2025
Title Company	METROPOLITAN TITLE

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
Relationship	Joint Tenants with Right of Survivorship
Address	3 CHESTNUT AVE, STERLING, MA 01564-1436

Mortgage

Document Number	0000037525
Date	May 13, 2025
Instrument	37525

Lender

Name	OCMBC INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Mortgage

Document Number	071976-129
Date	May 13, 2025
Book Page	71976/129
Instrument	37526

Lender

Name	OCMBC INC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2035

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	$3,517.00 (+209.32%)	$280,200 (+217.33%) Land $58,600 Building $221,600	$250,325 (-)
2025	$1,137.00 (-2.74%)	$88,300 (+0.57%) Land $39,700 Building $48,600	$250,325 (+67.2%)
2024	$1,169.00 (+2.81%)	$87,800 (+10.44%) Land $39,700 Building $48,100	$149,720
2023	$1,137.00	$79,500 Land $39,700 Building $39,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	3 in force
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2026 · rainfall accumulation

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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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