34 Elm St, Worcester, MA 01609 Property Records

Worcester County and Worcester City property record for 34 Elm St, Worcester, MA 01609

Property Summary

Property Type	Single Family Home
Details	5 bd · 4,209 sqft · built 1890
Lot Size	0.06 acres (2,627 sqft)
Owner	Individual Name on Record
Last Sale	$624,000 (May 2026)
Tax Bill	$10,107 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage Sep 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-030-00018`

Property Details

APN / Parcel Number

Primary APN	`3-030-00018`
Alternative APN	`WORC M:03 B:030 L:00018`

Interior

Bedrooms	5 Beds
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	4,209 sqft Living Area
Gross Area	6,262 sqft
1st Floor Area	1,582 sqft
Basement Area	1,388 sqft
Unfinished Basement	1,388 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Victorian
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	2,627 sqft (0.06 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	3-030-00018
Street Address	34 ELM ST
City	WORCESTER
State	MA
Zip	01609-2504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BG-6
Legal Block	30
Legal Lot Number	18
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3001
Census Tract	731700

Owner

Source: Worcester County and Worcester City records, as of October 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	Individual Name on Record
Mailing Address	34 ELM ST, WORCESTER, MA 01609-2504
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE, INC
Sep 30, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUILD MORTGAGE CO
Apr 13, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2026 · Amount on Record
Deed Sale	May 18, 2026 · Amount on Record
Prior Sale	Sep 30, 2022 · Amount on Record
Deed Document Number	202639119
Deed Book / Page	73590 / 388
Record Updated	Oct 29, 2026

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	May 18, 2026
Property Address	34 ELM ST, WORCESTER, MA 01609-2504
Document Number	073590-388
Book / Page	73590 / 388
Instrument Date	May 2, 2026
Instrument	202639119
Transaction Type	Transfer
Record Updated	Jun 9, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 ELM ST, WORCESTER, MA 01609-2504
Investor	Possibly a Property Investor

Mortgage

Date	May 18, 2026

Lender

Name	GUARANTEED RATE, INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.46%
Max Rate	-1%

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Sep 30, 2022
Property Address	34 ELM ST, WORCESTER, MA 01609-2504
Document Number	068296-338
Book / Page	68296 / 338
Instrument Date	Sep 30, 2022
Instrument	107640
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 ELM ST, WORCESTER, MA 01609-2504

Mortgage

Document Number	0000107641
Date	Sep 30, 2022
Instrument	107641

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Apr 13, 2018
Property Address	34 ELM ST, WORCESTER, MA 01609-2504
Document Number	58665-163
Book / Page	058665 / 000163
Instrument Date	Apr 13, 2018
Instrument	34760
Transaction Type	Transfer
Record Updated	May 1, 2018

Transaction

Amount	Amount Recorded
Tax	$3,876.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	30 ELM ST WORCESTER MA 016092504, WORCESTER, MA 01609-2504

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Worcester City
Unified School District	Worcester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,107.00 (+3.43%)	$761,100 (+2.73%) Land $74,400 Building $686,700	$597,212 (-14.11%)
2025	$9,772.00 (-19.68%)	$740,900 (+28.58%) Land $70,800 Building $670,100	$695,305
2023		$576,200 Land $51,900 Building $524,300
2018	$12,166.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land 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	WORCESTER DPWP, WATER SUPPLY DIVISION serves 206,518 people · EPA ID MA2348000
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	2 ppb (2022–2024) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 174 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20

May also be available: T-Mobile.

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