31 Prospect St, Lunenburg, MA 01462 Property Records

Worcester County and Lunenburg Town property record for 31 Prospect St, Lunenburg, MA 01462

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,224 sqft · built 1900
Lot Size	2.72 acres (118,463 sqft)
Owner	2 Individual Names on File
Last Sale	$592,450 (Jul 2019)
Tax Bill	$13,140 (2026)
Deeds & Mortgages	Nov 2020 Refinance Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1621000001100000`

Property Details

APN / Parcel Number

Primary APN	`1621000001100000`
Alternative APNs	`LUNE M:100.0 B:0011 L:0000.0` `M:00083 L:00120 S:00000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	4,224 sqft Living Area
Gross Area	8,598 sqft
1st Floor Area	1,799 sqft
Basement Area	2,667 sqft
Unfinished Basement	2,667 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	118,463 sqft (2.72 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1621000001100000
Street Address	31 PROSPECT ST
City	LUNENBURG
State	MA
Zip	01462-2037
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Block	11
Jurisdiction	LUNENBURG MA
Township / Civil Division	LUNENBURG
Census Block Group	2
Census Block	2028
Census Tract	712101

Owner

31 Prospect St is owned and occupied by two individuals who bought it in July 2019.

Source: Worcester County and Lunenburg Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	31 PROSPECT ST, LUNENBURG, MA 01462-2037
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
Jul 29, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage DIGITAL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2019 · Amount on File
Deed Sale	Jul 29, 2019 · Amount on File
Prior Sale	Sep 14, 1992 · Amount on File
Deed Document Number	201912344
Deed Book / Page	9377 / 246
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUNENBURG MA
Property Address	31 PROSPECT ST, LUNENBURG, MA 01462-2037
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9789-185
Date	Nov 17, 2020
Book Page	9789/185
Instrument	20923

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Dec 1, 2030

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUNENBURG MA
Recording Date	Jul 29, 2019
Property Address	31 PROSPECT ST, LUNENBURG, MA 01462-2037
Document Number	9377-246
Book / Page	9377 / 246
Instrument Date	Jul 29, 2019
Instrument	12344
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
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
Address	31 PROSPECT ST, LUNENBURG, MA 01462-2037

Mortgage

Document Number	12345
Date	Jul 29, 2019
Instrument	12345

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Type Change Date	Aug 1, 2024

Tax Assessment & Valuation

The 2026 property tax bill for 31 Prospect St was $13,140, up 6% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Lunenburg Town
Unified School District	Lunenburg School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$13,140.00 (+6.02%)	$913,100 (+5.79%) Land $165,600 Building $747,500	$819,352 (-4.71%)
2025	$12,394.00 (+2.94%)	$863,100 (+1.08%) Land $162,400 Building $700,700	$859,845 (+3%)
2024	$12,040.00 (-0.51%)	$853,900 (+3.15%) Land $153,600 Building $700,300	$834,765
2023	$12,102.00	$827,800 Land $139,400 Building $688,400

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

Flood

FEMA maps place 31 Prospect St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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	2 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2024 · other causes

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

Wildfire risk around 31 Prospect St is low, with a 0.02% annual chance of wildfire.

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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Prospect St

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