Worcester County and Sterling Town property record for 31 School St, Sterling, MA 01564
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,706 sqft · built 1804 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,716 (2026) |
| Deeds & Mortgages | Feb 2022 Refinance Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | STER M:00092 L:00059 |
| Primary APN | STER M:00092 L:00059 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,706 sqft Living Area |
| Gross Area | 2,914 sqft |
| Basement Area | 952 sqft |
| Unfinished Basement | 952 sqft |
| Year Built | Built 1804 |
|---|---|
| Effective Year Built | Effective 1804 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 31 SCHOOL ST |
|---|---|
| City | STERLING |
| State | MA |
| Zip | 01564-1482 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NR |
| Legal Lot Number | 59 |
| Jurisdiction | STERLING MA |
| Township / Civil Division | STERLING |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 719100 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Sterling Center Historic District listed 1988 · 111 contributing resources · NRIS 88000425 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
31 School St, a single family home, is owned by an individual.
Source: Worcester County and Sterling Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 786, STERLING, MA 01564-0786 |
| 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.
| Date | Document |
|---|---|
| Feb 25, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE NETWORK INC |
| Oct 23, 2017 | Deed of Trust, Mortgage · ARM HOMETOWN BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STERLING MA |
| Property Address | 31 SCHOOL ST, STERLING, MA 01564-1482 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 067171-171 |
|---|---|
| Date | Feb 25, 2022 |
| Book Page | 67171/171 |
| Instrument | 21901 |
| Name | MORTGAGE NETWORK INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STERLING MA |
| Property Address | 31 SCHOOL ST, STERLING, MA 01564-1482 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 57918-147 |
|---|---|
| Date | Oct 23, 2017 |
| Book Page | 57918/147 |
| Instrument | 117079 |
| Name | HOMETOWN BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.99% |
The 2026 property tax bill for 31 School St was $4,716, up 9.8% from the year before.
Source: Worcester County and Sterling Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Sterling Town |
| Unified School District | Wachusett School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,716.00 (+9.75%) | $375,800 (+12.65%) Land $106,700 Building $269,100 | $482,220 (-) |
| 2025 | $4,297.00 (+7.61%) | $333,600 (+11.2%) Land $92,400 Building $241,200 | $482,220 (-6.03%) |
| 2024 | $3,993.00 (-4.08%) | $300,000 (+3.06%) Land $92,400 Building $207,600 | $513,190 |
| 2023 | $4,163.00 | $291,100 Land $93,400 Building $197,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 31 School St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.
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 | 3 in force |
| Nearby Flood Claims | 1 (2026) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2026 · rainfall accumulation |
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 risk around 31 School St is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | STERLING WATER DEPARTMENT serves 6,814 people · EPA ID MA2282000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 9 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Feb 2024 |
| Monitoring and Reporting | 1 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 125 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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