Worcester County and Lancaster Town property record for 309 Mill St, Lancaster, MA 01523
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,964 sqft · built 1900 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $335,000 (Sep 2015) |
| Tax Bill | $6,635 (2025) |
| Deeds & Mortgages | Aug 2024 Line of Credit Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | LANC M:042.0 B:0000 L:0061.0 |
| Primary APN | LANC M:042.0 B:0000 L:0061.0 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 1,964 sqft Living Area |
| 1st Floor Area | 903 sqft |
| Basement Area | 861 sqft |
| Unfinished Basement | 861 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 309 MILL ST |
|---|---|
| City | LANCASTER |
| State | MA |
| Zip | 01523-2044 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | 61.0 |
| Jurisdiction | LANCASTER MA |
| Township / Civil Division | LANCASTER |
| Census Block Group | 1 |
| Census Block | 1046 |
| Census Tract | 713100 |
Source: Worcester County and Lancaster Town records, as of July 20, 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 Record |
|---|---|
| Mailing Address | 309 MILL ST, LANCASTER, MA 01523-2044 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 28, 2024 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Sep 2, 2020 | Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK OF RHODE ISLAND |
| Sep 14, 2019 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 3, 2015 · Amount on Record |
| Deed Sale | Sep 3, 2015 · Amount on Record |
| Prior Sale | Jul 29, 2004 · Amount on Record |
| Deed Book / Page | 54256 / 135 |
| Transfer Doc | 54266-133 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 309 MILL ST, LANCASTER, MA 01523-2044 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 070947-293 |
|---|---|
| Date | Aug 28, 2024 |
| Book Page | 70947/293 |
| Instrument | 69204 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Sep 1, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 309 MILL ST, LANCASTER, MA 01523-2044 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 63170-284 |
|---|---|
| Date | Sep 2, 2020 |
| Book Page | 63170/284 |
| Instrument | 100414 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Oct 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 309 MILL ST, LANCASTER, MA 01523-2044 |
| Document Number | 61170-49 |
| Instrument Date | Sep 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 309 MILL ST LANCASTER MA 015232044, LANCASTER, MA 01523-2044 |
| Document Number | 61170-49 |
|---|---|
| Date | Oct 3, 2019 |
| Book Page | 061170/000049 |
| Instrument | 103550 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Worcester County and Lancaster Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Lancaster Town |
| Unified School District | Nashoba School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,635.00 (+2.76%) | $410,600 (+9.32%) Land $119,600 Building $291,000 | $605,245 (+12.8%) |
| 2024 | $536,560 | ||
| 2023 | $6,457.00 | $375,600 Land $101,200 Building $274,400 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 27 (1978–2010) |
| Claims Outside the SFHA | 4 of 27 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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 | None beyond ember reach |
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 | LANCASTER WATER DEPARTMENT serves 6,000 people · EPA ID MA2147000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2026 |
| Lead | 17 ppb (2024–2026) 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 159 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
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