3 Cummings Rd, Winchendon, MA 01475 Property Records

Worcester County and Winchendon Town property record for 3 Cummings Rd, Winchendon, MA 01475

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,568 sqft · built 2006
Lot Size	2.27 acres (98,881 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Jan 2022)
Tax Bill	$4,061 (2025)
Deeds & Mortgages	May 2021 Line of Credit Jan 2022 Sale & Mortgage + 2 more
APN	`WINC M:8 B:0 L:183`

Property Details

APN / Parcel Number

Primary APN	`WINC M:8 B:0 L:183`
Alternative APN	`WCDN M:8 B:0 L:183`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,568 sqft Living Area
Gross Area	2,460 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	98,881 sqft (2.27 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	3 CUMMINGS RD
City	WINCHENDON
State	MA
Zip	01475-2102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Subdivision	OLDE CENTRE ESTATES OLD CNTY R
Legal Lot Number	183
Jurisdiction	WINCHENDON MA
Township / Civil Division	WINCHENDON
Census Block Group	2
Census Block	2005
Census Tract	701101

Owner

3 Cummings Rd is owned and occupied by two individuals who bought it in January 2022.

Source: Worcester County and Winchendon Town records, as of July 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 File
Mailing Address	3 CUMMINGS RD, WINCHENDON, MA 01475-2102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2021	Deed of Trust, Mortgage · Line of Credit ATHOL SAVINGS BANK
Jan 18, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GFA FEDERAL CREDIT UNION
Dec 15, 2017	Deed of Trust, Mortgage ATHOL SAVINGS BANK
Oct 23, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance ATHOL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 18, 2022 · Amount on File
Deed Sale	Jan 18, 2022 · Amount on File
Prior Sale	Apr 14, 2010 · Amount on File
Deed Book / Page	66958 / 21
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHENDON MA
Property Address	3 CUMMINGS RD, WINCHENDON, MA 01475-2102
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065240-171
Date	May 25, 2021
Book Page	65240/171
Instrument	72092

Lender

Name	ATHOL SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2041

Interest

Rate Type	Adjustable Rate

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHENDON MA
Recording Date	Jan 18, 2022
Property Address	3 CUMMINGS RD, WINCHENDON, MA 01475-2102
Document Number	0066958-21
Book / Page	66958 / 21
Instrument Date	Jan 18, 2022
Instrument	6432
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
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
Relationship	Joint Tenants with Right of Survivorship
Address	3 CUMMINGS RD, WINCHENDON, MA 01475-2102

Mortgage

Document Number	0000006433
Date	Jan 18, 2022
Instrument	6433

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHENDON MA
Property Address	3 CUMMINGS RD, WINCHENDON, MA 01475-2102
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58193-179
Date	Dec 15, 2017
Book Page	58193/179
Instrument	140533

Lender

Name	ATHOL SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	372 Months
Due	Dec 1, 2048

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHENDON MA
Property Address	3 CUMMINGS RD, WINCHENDON, MA 01475-2102
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61279-1
Date	Oct 23, 2019
Book Page	61279/1
Instrument	111840

Lender

Name	ATHOL SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	169 Months
Due	Nov 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 3 Cummings Rd was $4,061, down 0.4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,061.00 (-0.37%)	$345,600 (+6.34%) Land $54,600 Building $291,000	$438,045 (+9.55%)
2024	$4,076.00 (+9.33%)	$325,000 (+16.82%) Land $53,300 Building $271,700	$399,855
2023	$3,728.00	$278,200 Land $51,100 Building $227,100

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

Flood

FEMA's flood maps do not cover 3 Cummings Rd; 3 flood insurance policies are in force nearby.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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

Wildfire risk around 3 Cummings 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cummings Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures