Worcester County and Lancaster Town property record for 316 Mill St, Lancaster, MA 01523
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,456 sqft · built 1997 |
| Lot Size | 5.56 acres (242,194 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $585,000 (Aug 2020) |
| Tax Bill | $12,097 (2025) |
| Deeds & Mortgages | Oct 2019 Mortgage Aug 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | LANC M:042.0 B:0000 L:0130.E |
| Primary APN | LANC M:042.0 B:0000 L:0130.E |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,456 sqft Living Area |
| Gross Area | 2,128 sqft |
| 1st Floor Area | 1,064 sqft |
| Basement Area | 1,064 sqft |
| Unfinished Basement | 1,064 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2011 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 242,194 sqft (5.56 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 316 MILL ST |
|---|---|
| City | LANCASTER |
| State | MA |
| Zip | 01523 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | MAPLE RDG REALTY TRUST |
| Legal Lot Number | 130.E |
| Jurisdiction | LANCASTER MA |
| Township / Civil Division | LANCASTER |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 713100 |
316 Mill St is owned and occupied by two individuals who bought it in August 2020.
Source: Worcester County and Lancaster Town records, as of July 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 316 MILL ST, LANCASTER, MA 01523 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 22, 2019 | Deed of Trust, Mortgage · Balloon Mortgage USA ALLIANCE FEDERAL CREDIT UNION |
| Aug 13, 2020 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA |
| Oct 15, 2019 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 13, 2020 · Amount on File |
| Deed Sale | Aug 13, 2020 · Amount on File |
| Prior Sale | Jun 26, 2015 · Amount on File |
| Deed Book / Page | 63016 / 306 |
| Prior Transfer Date | Aug 4, 2020 |
| Prior Transfer Doc | 063016-306 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 316 MILL STREET EXT, LANCASTER, MA 01523-2004 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 61270-99 |
|---|---|
| Date | Oct 22, 2019 |
| Book Page | 61270/99 |
| Instrument | 111250 |
| Name | USA ALLIANCE FEDERAL CREDIT UNION |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LANCASTER MA |
| Recording Date | Aug 13, 2020 |
| Property Address | 316 MILL STREET EXT, LANCASTER, MA 01523-2004 |
| Document Number | 63016-306 |
| Book / Page | 63016 / 306 |
| Instrument Date | Aug 4, 2020 |
| Instrument | 90520 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Document Number | 90523 |
|---|---|
| Date | Aug 13, 2020 |
| Instrument | 90523 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 316 MILL STREET EXT, LANCASTER, MA 01523-2004 |
| Document Number | 61270-81 |
| Instrument Date | Oct 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 316 MILL STREET EXT LANCASTER MA 015232004, LANCASTER, MA 01523-2004 |
| Document Number | 61270-81 |
|---|---|
| Date | Oct 22, 2019 |
| Book Page | 061270/000081 |
| Instrument | 111249 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 21, 2034 |
The 2025 property tax bill for 316 Mill St was $12,097.
Source: Worcester County and Lancaster Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Lancaster Town |
| Unified School District | Nashoba School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,097.00 | $748,600 Land $151,400 Building $597,200 | $782,610 (+39.18%) |
| 2024 | $562,305 | ||
| 2023 | $11,261.00 | $655,100 Land $131,400 Building $523,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 316 Mill St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 27 (1978–2010) |
| Claims Outside the SFHA | 4 of 27 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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 316 Mill 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 | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 136 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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