31 Otsego Rd, Worcester, MA 01609 Property Records

Worcester County and Worcester City property record for 31 Otsego Rd, Worcester, MA 01609

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,423 sqft · built 1937
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$725,000 (Jun 2025)
Tax Bill	$6,819 (2025)
Deeds & Mortgages	Jun 2025 Sale & Mortgage Aug 2020 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`21-015-00040`

Property Details

APN / Parcel Number

Primary APN	`21-015-00040`
Alternative APN	`WORC M:21 B:015 L:00040`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,423 sqft Living Area
Gross Area	4,051 sqft
1st Floor Area	1,205 sqft
Basement Area	1,045 sqft
Unfinished Basement	1,045 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,000 sqft (0.344 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	21-015-00040
Street Address	31 OTSEGO RD
City	WORCESTER
State	MA
Zip	01609-1737
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-10
Legal Block	15
Legal Lot Number	40
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3000
Census Tract	730600

Owner

Source: Worcester County and Worcester City 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	31 OTSEGO RD, WORCESTER, MA 01609-1737
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUILD MORTGAGE CO
Aug 6, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC
Oct 22, 2019	Deed of Trust, Mortgage · Conventional with PMI QUAD CTY BK&TR
Apr 11, 2019	Deed of Trust, Mortgage · Conventional with PMI QUAD CTY BK&TR
Sep 27, 2018	Quit Claim Deed, Transfer UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2025 · Amount on Record
Deed Sale	Jun 20, 2025 · Amount on Record
Prior Sale	Sep 27, 2018 · Amount on Record
Deed Book / Page	72144 / 209
Transfer Doc	47349-222
Record Updated	Sep 20, 2026

June 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Jun 20, 2025
Property Address	31 OTSEGO RD, WORCESTER, MA 01609-1737
Document Number	072144-209
Book / Page	72144 / 209
Instrument Date	Jun 20, 2025
Instrument	49945
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	31 OTSEGO RD, WORCESTER, MA 01609-1737

Mortgage

Document Number	0000049946
Date	Jun 20, 2025
Instrument	49946

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	31 OTSEGO RD, WORCESTER, MA 01609-1737
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62966-128
Date	Aug 6, 2020
Book Page	62966/128
Instrument	86991

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	31 OTSEGO RD, WORCESTER, MA 01609-1737
Document Number	61317-87
Instrument Date	Oct 22, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 OTSEGO RD WORCESTER MA 016091737, WORCESTER, MA 01609-1737

Mortgage

Document Number	61317-87
Date	Oct 29, 2019
Book Page	061317/000087
Instrument	114648

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2049

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	31 OTSEGO RD, WORCESTER, MA 01609-1737
Document Number	60279-281
Instrument Date	Apr 11, 2019
Transaction Type	Mortgage
Record Updated	May 7, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 OTSEGO RD WORCESTER MA 016091737, WORCESTER, MA 01609-1737

Mortgage

Document Number	60279-281
Date	Apr 17, 2019
Book Page	060279/000281
Instrument	33201

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 16, 2049

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Sep 27, 2018
Property Address	31 OTSEGO RD, WORCESTER, MA 01609-1737
Document Number	59462-281
Book / Page	59462 / 281
Instrument	102178
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$55.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	594620283
Date	Sep 27, 2018
Instrument	59462/0283

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2048

Tax Assessment & Valuation

Source: Worcester County and Worcester City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Worcester City
Unified School District	Worcester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,819.00 (+8.98%)	$517,000 (+18.5%) Land $123,800 Building $393,200	$683,050 (+9.14%)
2024			$625,860
2023	$6,257.00	$436,300 Land $106,600 Building $329,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 88% of Massachusetts
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WORCESTER DPWP, WATER SUPPLY DIVISION serves 206,518 people · EPA ID MA2348000
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 292 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Netafy.

Cell Coverage

5G (outdoors only) and 4G LTE

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