315 Main St, Lancaster, MA 01523 Property Records

Worcester County and Lancaster Town property record for 315 Main St, Lancaster, MA 01523

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,090 sqft · built 1955
Lot Size	0.47 acres (20,473 sqft)
Owner	Individual Name on File
Last Sale	$251,000 (Feb 2018)
Tax Bill	$6,913 (2025)
Deeds & Mortgages	Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`LANC M:038.0 B:0000 L:0048.0`

Property Details

APN / Parcel Number

Primary APN	`LANC M:038.0 B:0000 L:0048.0`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,090 sqft Living Area
1st Floor Area	2,090 sqft
Basement Area	1,326 sqft
Unfinished Basement	326 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1967
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,473 sqft (0.47 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	315 MAIN ST
City	LANCASTER
State	MA
Zip	01523-2808
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	48.0
Jurisdiction	LANCASTER MA
Township / Civil Division	LANCASTER
Census Block Group	2
Census Block	2011
Census Tract	713100

Owner

Source: Worcester County and Lancaster Town assessment roll, as of April 14, 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 File
Mailing Address	315 MAIN ST, LANCASTER, MA 01523-2808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 26, 2018 · Amount on Record
Deed Sale	Feb 26, 2018 · Amount on Record
Prior Sale	Sep 15, 2004 · Amount on Record
Deed Book / Page	58473 / 133
Record Updated	Sep 20, 2026

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LANCASTER MA
Recording Date	Feb 26, 2018
Property Address	315 MAIN ST, LANCASTER, MA 01523-2808
Document Number	58473-133
Book / Page	58473 / 133
Instrument	18098
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$47.65
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 MAIN ST, LANCASTER, MA 01523-2808

Mortgage

Document Number	584730137
Date	Feb 26, 2018
Instrument	58473/0137

Lender

Name	SHAMROCK FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 26, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,913.00 (+7.88%)	$427,800 (+14.75%) Land $100,300 Building $327,500	$429,780 (-3.17%)
2024			$443,840
2023	$6,408.00	$372,800 Land $83,000 Building $289,800

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
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	9 (1978–2010)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims

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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

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	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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 149 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