Worcester County and Worcester City property record for 3 Frank St, Worcester, MA 01604
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,040 sqft · built 1963 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $100,000 (Jul 2003) |
| Tax Bill | $4,144 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Jul 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-011-00013 |
| Primary APN | 17-011-00013 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,040 sqft Living Area |
| Gross Area | 2,112 sqft |
| 1st Floor Area | 1,040 sqft |
| Basement Area | 1,040 sqft |
| Unfinished Basement | 1,040 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 5,000 sqft (0.115 acres) |
| Garage Type | Basement |
| Heating System | Electric |
|---|
| Account Number | 17-011-00013 |
|---|---|
| Street Address | 3 FRANK ST |
| City | WORCESTER |
| State | MA |
| Zip | 01604-1015 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BL-1 |
| Legal Block | 11 |
| Legal Lot Number | 13 |
| Jurisdiction | WORCESTER MA |
| Township / Civil Division | WORCESTER |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 732201 |
Source: Worcester County and Worcester City records · APN 17-011-00013
Assessment roll updated April 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3 FRANK ST, WORCESTER, MA 01604-1015 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 01, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) DISCOVER BANK |
| Jul 25, 2022 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) CENTRAL ONE FEDERAL CREDIT UNION |
| Nov 30, 2020 | Deed of Trust, Mortgage · ARM CENTRAL ONE FEDERAL CREDIT UNION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 21, 2003 · Amount on Record |
| Deed Sale | Jul 21, 2003 · Amount on Record |
| Prior Sale | Mar 31, 1998 · Amount on Record |
| Deed Document Number | 2003192701 |
| Deed Book / Page | 30858 / 213 |
| Transfer Doc | 0000192701 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 3 FRANK ST, WORCESTER, MA 01604-1015 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2023 |
| Name | Verified Name |
|---|
| Document Number | 069460-278 |
|---|---|
| Date | Aug 01, 2023 |
| Book Page | 69460/278 |
| Instrument | 62445 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 3 FRANK ST, WORCESTER, MA 01604-1015 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 067955-105 |
|---|---|
| Date | Jul 25, 2022 |
| Book Page | 67955/105 |
| Instrument | 80866 |
| Name | CENTRAL ONE FEDERAL CREDIT UNION |
|---|
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Aug 01, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 3 FRANK ST, WORCESTER, MA 01604-1015 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 63854-246 |
|---|---|
| Date | Nov 30, 2020 |
| Book Page | 63854/246 |
| Instrument | 146443 |
| Name | CENTRAL ONE FEDERAL CREDIT UNION |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.13% |
| Type Change Date | Dec 01, 2030 |
| Index | 5-Year CMT |
Source: Worcester County and Worcester City records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Worcester City |
| Unified School District | Worcester School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,144.00 (+3.47%) | $314,200 (+12.5%) Land $97,900 Building $216,300 | $379,050 (+2.94%) |
| 2024 | $368,220 | ||
| 2023 | $4,005.00 | $279,300 Land $85,100 Building $194,200 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), as of November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 329 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MA2348000, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WORCESTER DPWP, WATER SUPPLY DIVISION serves 206,518 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them. The full violation and enforcement history is in the system's EPA record.
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