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34 Cutler St, Worcester, MA 01604 Property Records

Worcester County and Worcester City property record for 34 Cutler St, Worcester, MA 01604

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,320 sqft · built 1880
Lot Size0.095 acres (4,143 sqft)
Owner2 Individual Names on File
Last Sale$268,500 (May 2025)
Tax Bill$3,946 (2025)
Deeds & MortgagesMay 2025 Sale & Mortgage
Feb 2022 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN4-030-00010

Property Details

APN / Parcel Number

Primary APN4-030-00010
Alternative APN
  • WORC M:04 B:030 L:00010

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area1,320 sqft Living Area
Gross Area2,491 sqft
1st Floor Area697 sqft
Basement Area697 sqft
Unfinished Basement697 sqft

Exterior

Year BuiltBuilt 1880
Effective Year BuiltEffective 1880
Architectural StyleColonial
Exterior MaterialAluminum/Vinyl
Construction TypeStone
Roof TypeGable
Roof MaterialAsphalt
Lot Area4,143 sqft (0.095 acres)
Garage TypeBasement

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account Number4-030-00010
Street Address34 CUTLER ST
CityWORCESTER
StateMA
Zip01604-4802
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRG-5
Legal Block30
Legal Lot Number10
JurisdictionWORCESTER MA
Township / Civil DivisionWORCESTER
Census Block Group6
Census Block6001
Census Tract732400

Owner

Source: Worcester County and Worcester City records · APN 4-030-00010

Assessment roll updated April 14, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address15 HEARTHSTONE CIR, WAYLAND, MA 01778-5131
Owner TypeIndividual
VestingMarried Person

Deeds, Mortgages & Sale History

DateDocument
May 07, 2025Quit Claim Deed, Transfer · Stand-Alone First Mortgage
BANKESB
Feb 25, 2022Quit Claim Deed, Transfer · FHA Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 03, 2020Quit Claim Deed, Transfer
NOT AVAILABLE
Nov 25, 2020Quit Claim Deed, Transfer · FHA Mortgage
ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 07, 2025 · Amount on Record
Deed SaleMay 07, 2025 · Amount on Record
Prior SaleFeb 28, 2025 · Amount on Record
Deed Book / Page71955 / 37
Prior Transfer DateDec 02, 2020
Prior Transfer Doc63893-103
Record UpdatedSep 20, 2026

May 2025: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionWORCESTER MA
Recording DateMay 07, 2025
Property Address34 CUTLER ST, WORCESTER, MA 01604-4802
Document Number0071955-37
Book / Page71955 / 37
Instrument DateMay 07, 2025
Instrument35920
Transaction TypeTransfer
Record UpdatedNov 19, 2025

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address15 HEARTHSTONE CIR, WAYLAND, MA 01778-5131

Mortgage

Document Number0000035921
DateMay 07, 2025
Instrument35921
Lender
NameBANKESB
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Rate6.5%
Type Change DateJun 01, 2032
Max Rate At Change2.75%
IndexOther

February 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionWORCESTER MA
Recording DateFeb 25, 2022
Property Address34 CUTLER ST, WORCESTER, MA 01604-4802
Document Number067177-237
Book / Page67177 / 237
Instrument DateFeb 25, 2022
Instrument22375
Transaction TypeTransfer
Record UpdatedMar 11, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address34 CUTLER ST, WORCESTER, MA 01604-4802

Mortgage

Document Number0000022376
DateFeb 25, 2022
Instrument22376
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded

December 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionWORCESTER MA
Recording DateDec 03, 2020
Property Address34 CUTLER ST, WORCESTER, MA 01604-4802
Document Number63893-103
Book / Page063893 / 000103
Instrument DateDec 02, 2020
Instrument149081
Transaction TypeTransfer
Record UpdatedDec 22, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address34 CUTLER ST WORCESTER MA 016044802, WORCESTER, MA 01604-4802

November 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionWORCESTER MA
Recording DateNov 25, 2020
Property Address34 CUTLER ST, WORCESTER, MA 01604-4802
Document Number63843-273
Book / Page63843 / 273
Instrument DateNov 24, 2020
Instrument145717
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2 CUTLER ST, WORCESTER, MA 01604-4802

Mortgage

Document Number145718
DateNov 25, 2020
Instrument145718
Lender
NameENVOY MORTGAGE LTD
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Worcester County and Worcester City records · Assessment roll updated April 14, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyWorcester County
MunicipalityWorcester City
Unified School DistrictWorcester School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$3,946.00 (+7.76%)$299,200 (+17.15%) Land $55,800 Building $243,400$254,220 (-21.13%)
2024$322,335
2023$3,662.00$255,400 Land $44,800 Building $210,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 30, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskNot rated
no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
T-Mobile USA
Fixed Wireless		100 / 20

Based on FCC filings for 659 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemWORCESTER DPWP, WATER SUPPLY DIVISION
serves 206,518 people
Water SourceSurface water
Last State InspectionSep 2025
Lead2 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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