Worcester County and Worcester City property record for 31 Roy St, Worcester, MA 01603
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,056 sqft · built 1953 |
| Lot Size | 0.245 acres (10,675 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $162,372 (Mar 2015) |
| Tax Bill | $4,474 (2026) |
| Deeds & Mortgages | Apr 2026 Line of Credit May 2024 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-030-55+56 |
| Primary APN | 14-030-55+56 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| Gross Area | 2,337 sqft |
| 1st Floor Area | 1,056 sqft |
| Basement Area | 744 sqft |
| Unfinished Basement | 744 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,675 sqft (0.245 acres) |
| Garage Type | Basement |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|
| Account Number | 14-030-55+56 |
|---|---|
| Street Address | 31 ROY ST |
| City | WORCESTER |
| State | MA |
| Zip | 01603-3224 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RL-7 |
| Legal Subdivision | WORCESTER |
| Legal Block | 30 |
| Legal Lot Number | 55+56 |
| Jurisdiction | WORCESTER MA |
| Township / Civil Division | WORCESTER |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 731101 |
Source: Worcester County and Worcester City records, as of October 20, 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 | 31 ROY ST, WORCESTER, MA 01603-3224 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 14, 2026 | Deed of Trust, Mortgage · Line of Credit FIDELITY COOPERATIVE BANK |
| May 13, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance FIDELITY COOPERATIVE BANK |
| Aug 17, 2021 | Deed of Trust, Mortgage · Line of Credit FIDELITY COOPERATIVE BANK |
| Aug 17, 2021 | Deed of Trust, Mortgage · Line of Credit FIDELITY COOPERATIVE BANK |
| Aug 16, 2018 | Deed of Trust, Mortgage · Closed-End Mortgage DIGITAL FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 31, 2015 · Amount on Record |
| Deed Sale | Mar 31, 2015 · Amount on Record |
| Prior Sale | Oct 9, 2009 · Amount on Record |
| Deed Document Number | 201527191 |
| Deed Book / Page | 53536 / 316 |
| Transfer Doc | 053536-316 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Recording Date | Apr 14, 2026 |
| Property Address | 31 ROY ST, WORCESTER, MA 01603-3224 |
| Document Number | 073440-310 |
| Book / Page | 73440 / 310 |
| Instrument Date | Apr 6, 2026 |
| Instrument | 202628301 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 31 ROY ST, WORCESTER, MA 01603-3224 |
| Document Number | 0000028301, |
|---|---|
| Date | Apr 14, 2026 |
| Book Page | 73440/310 |
| Instrument | 202628301 |
| Name | FIDELITY COOPERATIVE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 31 ROY ST, WORCESTER, MA 01603-3224 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 070500-317 |
|---|---|
| Date | May 13, 2024 |
| Book Page | 70500/317 |
| Instrument | 35300 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 31 ROY ST, WORCESTER, MA 01603-3224 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 065851-328 |
|---|---|
| Date | Aug 17, 2021 |
| Book Page | 65851/328 |
| Instrument | 115190 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 1, 2041 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 31 ROY ST, WORCESTER, MA 01603-3224 |
| Transaction Type | Mortgage |
| Record Updated | Sep 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 65851-328 |
|---|---|
| Date | Aug 17, 2021 |
| Book Page | 65851/328 |
| Instrument | 115190 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 1, 2041 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 31 ROY ST, WORCESTER, MA 01603-3224 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 59264-334 |
|---|---|
| Date | Aug 16, 2018 |
| Book Page | 59264/334 |
| Instrument | 85625 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Aug 1, 2058 |
Source: Worcester County and Worcester City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Worcester City |
| Unified School District | Worcester School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,474.00 (+4.14%) | $336,900 (+3.44%) Land $104,700 Building $232,200 | $358,393 (+11.71%) |
| 2025 | $4,296.00 (+3.84%) | $325,700 (+12.89%) Land $98,600 Building $227,100 | $320,815 (+2.8%) |
| 2024 | $312,075 | ||
| 2023 | $4,137.00 | $288,500 Land $85,700 Building $202,800 |
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (1985) |
| Most Recent Claim | Jul 1985 · 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 | Not rated no burnable land within 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 538 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| Starlink Satellite | 280 / 30 |
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