Worcester County and Rutland Town property record for 34 Central Tree Rd, Rutland, MA 01543
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,638 sqft · built 1992 |
| Lot Size | 0.69 acres (30,056 sqft) |
| Owner | Individual Name on File |
| Last Sale | $285,000 (Dec 2017) |
| Tax Bill | $5,904 (2025) |
| Deeds & Mortgages | May 2024 Mortgage Sep 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:0059 L:C-10 |
| Primary APN | M:0059 L:C-10 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,638 sqft Living Area |
| Gross Area | 2,808 sqft |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 30,056 sqft (0.69 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 34 CENTRAL TREE RD |
|---|---|
| City | RUTLAND |
| State | MA |
| Zip | 01543-1915 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | C |
| Legal Lot Number | 10 |
| Jurisdiction | RUTLAND MA |
| Township / Civil Division | RUTLAND |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 721103 |
34 Central Tree Rd is owned and occupied by an individual who acquired it in September 2020.
Source: Worcester County and Rutland Town records, as of July 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 34 CENTRAL TREE RD, RUTLAND, MA 01543-1915 |
| 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.
| Date | Document |
|---|---|
| May 31, 2024 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) DISCOVER BANK |
| Sep 14, 2020 | Quit Claim Deed, Transfer · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP |
| Dec 14, 2017 | Quit Claim Deed, Transfer FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 14, 2017 · Amount on File |
| Deed Sale | Dec 14, 2017 · Amount on File |
| Prior Sale | Jun 2, 1999 · Amount on File |
| Deed Book / Page | 58186 / 37 |
| Last Transfer Date | Sep 9, 2020 |
| Transfer Doc | 63247-16 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RUTLAND MA |
| Property Address | 34 CENTRAL TREE RD, RUTLAND, MA 01543-1915 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 070573-124 |
|---|---|
| Date | May 31, 2024 |
| Book Page | 70573/124 |
| Instrument | 40775 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jun 1, 2044 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | RUTLAND MA |
| Recording Date | Sep 14, 2020 |
| Property Address | 34 CENTRAL TREE RD, RUTLAND, MA 01543-1915 |
| Document Number | 63247-16 |
| Book / Page | 63247 / 16 |
| Instrument Date | Sep 9, 2020 |
| Instrument | 105676 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 34 CENTRAL TREE RD, RUTLAND, MA 01543-1915 |
| Document Number | 63247-20 |
|---|---|
| Date | Sep 14, 2020 |
| Book Page | 63247/20 |
| Instrument | 105677 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | RUTLAND MA |
| Recording Date | Dec 14, 2017 |
| Property Address | 34 CENTRAL TREE RD, RUTLAND, MA 01543-1915 |
| Document Number | 58186-37 |
| Book / Page | 58186 / 37 |
| Instrument | 139905 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $43.89 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 34 CENTRAL TREE RD, RUTLAND, MA 01543-1915 |
| Document Number | 581860039 |
|---|---|
| Date | Dec 14, 2017 |
| Instrument | 58186/0039 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|---|
| Term | 372 Months |
| Due | Dec 14, 2048 |
The 2025 property tax bill for 34 Central Tree Rd was $5,904, up 8.3% from the year before.
Source: Worcester County and Rutland Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Rutland Town |
| Unified School District | Wachusett School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,904.00 (+8.27%) | $414,600 (+12.75%) Land $102,500 Building $312,100 | $486,780 (+3.24%) |
| 2024 | $5,453.00 (+10.07%) | $367,700 (+1.83%) Land $92,100 Building $275,600 | $471,485 |
| 2023 | $4,954.00 | $361,100 Land $86,800 Building $274,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 34 Central Tree Rd in Zone X, an area of minimal flood risk.
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 | 1 in force |
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 34 Central Tree Rd 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 | RUTLAND WATER DEPARTMENT serves 6,025 people · EPA ID MA2257000 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2023 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| Water Quality | Tetrachloroethylene resolved · Apr 2023 |
|---|---|
| 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 61 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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