345 Lake Ave, Worcester, MA 01604 Property Records

Worcester County and Worcester City property record for 345 Lake Ave, Worcester, MA 01604

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,690 sqft · built 1915
Lot Size	0.111 acres (4,844 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Sep 2008)
Tax Bill	$5,069 (2026)
Deeds & Mortgages	Apr 2022 Mortgage Sep 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-002-01-05`

Property Details

APN / Parcel Number

Primary APN	`41-002-01-05`
Alternative APNs	`WORC M:41 B:002 L:01-05` `M:41 B:002 L:01=05`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,690 sqft Living Area
Gross Area	3,736 sqft
1st Floor Area	940 sqft
Attic	Attic
Attic Area	750 sqft
Basement Area	940 sqft
Unfinished Basement	940 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	4,844 sqft (0.111 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	41-002-01-05
Street Address	345 LAKE AVE
City	WORCESTER
State	MA
Zip	01604-1356
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RL-7
Legal Block	2
Legal Lot Number	1-5
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	2
Census Block	2012
Census Tract	732301

Owner

Source: Worcester County and Worcester City 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	2 Individual Names on Record
Mailing Address	345 LAKE AVE, WORCESTER, MA 01604-1356
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2022	Deed of Trust, Mortgage · ARM CENTRAL ONE FEDERAL CREDIT UNION
Sep 19, 2022	Deed of Trust, Mortgage · Line of Credit CENTRAL ONE FEDERAL CREDIT UNION
Jul 25, 2025	Deed of Trust, Mortgage · Line of Credit CENTRAL ONE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2008 · Amount on Record
Deed Sale	Sep 12, 2008 · Amount on Record
Deed Book / Page	43304 / 51
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	345 LAKE AVE, WORCESTER, MA 01604-1356
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067490-180
Date	Apr 26, 2022
Book Page	67490/180
Instrument	45337

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	May 1, 2032
Index	5-Year CMT

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	345 LAKE AVE, WORCESTER, MA 01604-1356
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068229-346
Date	Sep 19, 2022
Book Page	68229/346
Instrument	102345

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	345 LAKE AVE, WORCESTER, MA 01604-1356
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072304-368
Date	Jul 25, 2025
Book Page	72304/368
Instrument	61465

Lender

Name	CENTRAL ONE FCU

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$5,069.00 (+5.38%)	$381,700 (+4.66%) Land $104,500 Building $277,200	$470,463
2025	$4,810.00 (+11.78%)	$364,700 (+21.53%) Land $99,500 Building $265,200
2023	$4,303.00	$300,100 Land $85,700 Building $214,400

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	Low lower than 94% of the US · lower than 88% of Massachusetts
Wildfire Likelihood	Under 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.

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 317 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
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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