3 James Rd, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 3 James Rd, Sterling, MA 01564 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,246 sqft · built 1979
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$363,500 (Sep 2003)
Tax Bill	$7,038 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit May 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`STER M:00113 L:00060`

Property Details

APN / Parcel Number

Primary APN	`STER M:00113 L:00060`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,246 sqft Living Area
Gross Area	4,591 sqft
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	3 JAMES RD
City	STERLING
State	MA
Zip	01564-1404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	60
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	4
Census Block	4006
Census Tract	719100

Owner

Source: Worcester County and Sterling Town records · APN STER M:00113 L:00060

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	Individual Name on File
Mailing Address	3 JAMES RD, STERLING, MA 01564-1404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2023	Deed of Trust, Mortgage · Line of Credit LEOMINSTER CU
May 03, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Sep 08, 2017	Deed of Trust, Mortgage · Line of Credit LEOMINSTER CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 12, 2003 · Amount on Record
Deed Sale	Sep 12, 2003 · Amount on Record
Deed Document Number	2003247868
Deed Book / Page	31622 / 51
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	3 JAMES RD, STERLING, MA 01564-1404
Transaction Type	Mortgage
Record Updated	Sep 08, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069551-114
Date	Aug 23, 2023
Book Page	69551/114
Instrument	69454

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Sep 01, 2043

Interest

Rate Type	Adjustable Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	3 JAMES RD, STERLING, MA 01564-1404
Transaction Type	Mortgage
Record Updated	May 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	65075-55
Date	May 03, 2021
Book Page	65075/55
Instrument	60713

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2051

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	3 JAMES RD, STERLING, MA 01564-1404
Document Number	57720-272
Book / Page	057720 / 000272
Instrument Date	Sep 08, 2017
Transaction Type	Mortgage
Record Updated	Oct 04, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57720-272
Date	Sep 13, 2017
Book Page	057720/000272
Instrument	247

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 12, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Worcester County and Sterling Town records · Assessment roll updated April 14, 2026 · Last verified July 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

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	$7,038.00 (+2.49%)	$546,400 (+5.91%) Land $155,200 Building $391,200	$696,160 (+10.61%)
2024	$6,867.00 (+5.83%)	$515,900 (+13.68%) Land $150,100 Building $365,800	$629,375
2023	$6,489.00	$453,800 Land $142,300 Building $311,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277191004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 109 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35

May also be available at this address: Verizon, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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