Worcester County and Holden Town property record for 3 River St, Holden, MA 01520
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,500 sqft · built 1970 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,974 (2025) |
| Deeds & Mortgages | Jul 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | HOLD M:119 B:6 |
| Primary APN | HOLD M:119 B:6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,500 sqft Living Area |
| Gross Area | 2,840 sqft |
| 1st Floor Area | 1,456 sqft |
| Basement Area | 1,056 sqft |
| Unfinished Basement | 1,056 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,375 sqft (0.33 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 8501 |
|---|---|
| Street Address | 3 RIVER ST |
| City | HOLDEN |
| State | MA |
| Zip | 01520-2301 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-20 |
| Legal Block | 6 |
| Jurisdiction | HOLDEN MA |
| Township / Civil Division | HOLDEN |
| Census Block Group | 3 |
| Census Block | 3039 |
| Census Tract | 728400 |
Source: Worcester County and Holden 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 RIVER ST, HOLDEN, MA 01520-2301 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOLDEN MA |
| Property Address | 3 RIVER ST, HOLDEN, MA 01520-2301 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000120538 |
|---|---|
| Date | Jul 11, 2022 |
| Instrument | 120538 |
| Name | LEOMINSTER CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Aug 1, 2042 |
| Rate Type | Adjustable Rate |
|---|
Source: Worcester County and Holden Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Holden Town |
| Unified School District | Wachusett School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,974.00 (+7.99%) | $358,900 (+10.26%) Land $130,800 Building $228,100 | $566,960 |
| 2024 | $4,606.00 (+3.53%) | $325,500 (+9.67%) Land $126,900 Building $198,600 | |
| 2023 | $4,449.00 | $296,800 Land $110,300 Building $186,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
| Nearby Flood Claims | 2 (1979–1984) |
| Most Recent Claim | Apr 1984 · tidal / storm surge |
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HOLDEN WATER DIVISION, DPW serves 18,016 people · EPA ID MA2134000 |
|---|---|
| Water Source | Purchased surface water from WORCESTER DPWP, WATER SUPPLY DIVISION |
| Last State Inspection | Nov 2024 |
| Lead | 3 ppb (2023–2025) 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, 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 119 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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