Worcester County and Upton Town property record for 3 Francis Dr, Upton, MA 01568
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 3,340 sqft · built 2009 |
| Lot Size | 1.72 acres (74,923 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $730,000 (Sep 2020) |
| Tax Bill | $14,087 (2026) |
| Deeds & Mortgages | Jul 2022 Mortgage Jun 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:005 B:L:020-37 |
| Primary APN | M:005 B:L:020-37 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 3,340 sqft Living Area |
| Gross Area | 6,570 sqft |
| 1st Floor Area | 1,812 sqft |
| Basement Area | 1,812 sqft |
| Unfinished Basement | 1,812 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 74,923 sqft (1.72 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 3 FRANCIS DR |
|---|---|
| City | UPTON |
| State | MA |
| Zip | 01568-2517 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 5 |
| Legal Subdivision | PROPOSED OPEN SP DEFINITIVE PL |
| Legal Lot Number | 20.37 |
| Jurisdiction | UPTON MA |
| Township / Civil Division | UPTON |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 743100 |
3 Francis Dr is owned and occupied by two individuals who bought it in September 2020.
Source: Worcester County and Upton Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3 FRANCIS DR, UPTON, MA 01568-2517 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 27, 2022 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) FIDELITY COOPERATIVE BANK |
| Jun 3, 2020 | Deed of Trust, Mortgage · Balloon Mortgage SANTANDER BANK NA |
| Sep 1, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Sep 30, 2020 | Quit Claim Deed, Transfer · Conventional Mortgage ROSS MTG CO INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2020 · Amount on File |
| Deed Sale | Sep 30, 2020 · Amount on File |
| Prior Sale | Dec 30, 2009 · Amount on File |
| Deed Document Number | 2020115101 |
| Deed Book / Page | 63392 / 3 |
| Prior Transfer Date | Sep 19, 2020 |
| Prior Transfer Doc | 63392-3 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UPTON MA |
| Property Address | 3 FRANCIS DR, UPTON, MA 01568-2517 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0067974-12 |
|---|---|
| Date | Jul 27, 2022 |
| Book Page | 67974/12 |
| Instrument | 82210 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UPTON MA |
| Property Address | 3 FRANCIS DR, UPTON, MA 01568-2517 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 62526-158 |
|---|---|
| Date | Jun 3, 2020 |
| Book Page | 62526/158 |
| Instrument | 57760 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UPTON MA |
| Property Address | 3 FRANCIS DR, UPTON, MA 01568-2517 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 63162-98 |
|---|---|
| Date | Sep 1, 2020 |
| Book Page | 63162/98 |
| Instrument | 99826 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 133 Months |
| Due | Oct 1, 2031 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | UPTON MA |
| Recording Date | Sep 30, 2020 |
| Property Address | 3 FRANCIS DR, UPTON, MA 01568-2517 |
| Document Number | 63392-3 |
| Book / Page | 063392 / 000003 |
| Instrument Date | Sep 19, 2020 |
| Instrument | 115101 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,329.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 FRANCIS DR UPTON MA 015682517, UPTON, MA 01568-2517 |
| Document Number | 63392-6 |
|---|---|
| Date | Sep 30, 2020 |
| Book Page | 063392/000006 |
| Instrument | 115102 |
| Name | ROSS MTG CO INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 29, 2050 |
The 2026 property tax bill for 3 Francis Dr was $14,087, up 0.3% from the year before.
Source: Worcester County and Upton Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Upton Town |
| Unified School District | Mendon-Upton School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $14,087.00 (+0.33%) | $1,077,000 (+0.87%) Land $280,600 Building $796,400 | $1,101,256 (+25.81%) |
| 2025 | $14,040.00 (+3.28%) | $1,067,700 (+7.45%) Land $280,600 Building $787,100 | $875,330 (+0.18%) |
| 2024 | $13,594.00 (+34.08%) | $993,700 (+35.94%) Land $272,800 Building $720,900 | $873,715 |
| 2023 | $10,139.00 | $731,000 Land $194,900 Building $536,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Francis Dr in Zone X, an area of minimal flood risk.
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 risk around 3 Francis Dr is low, with a 0.02% 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 | 0.02% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | UPTON DPW WATER/WASTEWATER DIVISION serves 4,420 people · EPA ID MA2303000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | 11 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 6 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.
Source: FCC Broadband Data Collection, based on 64 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
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