Worcester County and Sterling Town property record for 34 Rugg Rd, Sterling, MA 01564
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,893 sqft · built 1940 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $6,106 (2026) |
| Deeds & Mortgages | Aug 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | STER M:00090 L:00012 |
| Primary APN | STER M:00090 L:00012 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,893 sqft Living Area |
| Gross Area | 3,730 sqft |
| Basement Area | 713 sqft |
| Unfinished Basement | 713 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 43,560 sqft (1 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Wood |
| Street Address | 34 RUGG RD |
|---|---|
| City | STERLING |
| State | MA |
| Zip | 01564-1508 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RRF |
| Legal Lot Number | 12 |
| Jurisdiction | STERLING MA |
| Township / Civil Division | STERLING |
| Census Block Group | 5 |
| Census Block | 5033 |
| Census Tract | 719100 |
Source: Worcester County and Sterling Town records, as of October 20, 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 Record |
|---|---|
| Mailing Address | 34 RUGG RD, STERLING, MA 01564-1508 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STERLING MA |
| Property Address | 34 RUGG RD, STERLING, MA 01564-1508 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0069494-74 |
|---|---|
| Date | Aug 9, 2023 |
| Book Page | 69494/74 |
| Instrument | 65077 |
| Name | LEOMINSTER CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 1, 2043 |
| Rate Type | Adjustable Rate |
|---|
Source: Worcester County and Sterling Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Sterling Town |
| Unified School District | Wachusett School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,106.00 (+5.95%) | $486,500 (+8.74%) Land $149,400 Building $337,100 | $477,090 (-) |
| 2025 | $5,763.00 (+4.67%) | $447,400 (+8.15%) Land $129,400 Building $318,000 | $477,090 (-) |
| 2024 | $5,506.00 (-0.36%) | $413,700 (+7.07%) Land $129,400 Building $284,300 | $477,090 |
| 2023 | $5,526.00 | $386,400 Land $129,400 Building $257,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
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 | STERLING WATER DEPARTMENT serves 6,814 people · EPA ID MA2282000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 9 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Feb 2024 |
| Monitoring and Reporting | 1 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 47 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
May also be available: Verizon.
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