3 Clemence Ave, Sterling, MA 01564 Property Records

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

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,854 sqft · built 1947
Lot Size	0.483 acres (21,025 sqft)
Owner	Individual Name on Record
Tax Bill	$3,765 (2025)
Deeds & Mortgages	May 2022 Mortgage May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`STER M:00144 L:00010`

Property Details

APN / Parcel Number

Primary APN	`STER M:00144 L:00010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,854 sqft Living Area
Gross Area	3,488 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,025 sqft (0.483 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	3 CLEMENCE AVE
City	STERLING
State	MA
Zip	01564-2411
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Lot Number	10
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	1
Census Block	1029
Census Tract	719100

Owner

Source: Worcester County and Sterling Town records, as of April 14, 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 CLEMENCE AVE, STERLING, MA 01564-2411
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2022	Deed of Trust, Mortgage · ARM HOMEFIELD CREDIT UNION
May 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage HOMEFIELD CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	3 CLEMENCE AVE, STERLING, MA 01564-2411
Transaction Type	Mortgage
Record Updated	May 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067575-257
Date	May 11, 2022
Book Page	67575/257
Instrument	51554

Lender

Name	HOMEFIELD CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Jun 1, 2029
Index	1-Year CMT

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	3 CLEMENCE AVE, STERLING, MA 01564-2411
Document Number	60436-54
Instrument Date	May 3, 2019
Transaction Type	Mortgage
Record Updated	Jun 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 CLEMENCE AVE STERLING MA 015642411, STERLING, MA 01564-2411

Mortgage

Document Number	60436-54
Date	May 21, 2019
Book Page	060436/000054
Instrument	45857

Lender

Name	HOMEFIELD CU

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	May 20, 2044

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
2025	$3,765.00 (+1.13%)	$292,300 (+4.5%) Land $116,200 Building $176,100
2024	$3,723.00 (-3.9%)	$279,700 (+3.25%) Land $116,200 Building $163,500
2023	$3,874.00	$270,900 Land $116,200 Building $154,700

Assessed value is set for property tax purposes and is not a market price estimate.

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
Nearby Flood Claims	1 (2010)
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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