36 Elm St, Unit 4, Worcester, MA 01609 Property Records

Worcester County and Worcester City property record for 36 Elm St, Unit 4, Worcester, MA 01609

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 1,105 sqft · built 1890
Lot Size	0.196 acres (8,552 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Jun 2015)
Tax Bill	$3,588 (2026)
Deeds & Mortgages	May 2024 Line of Credit Feb 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-030-036-4`

Property Details

APN / Parcel Number

Primary APN	`3-030-036-4`
Alternative APNs	`WORC M:03 B:030 L:036-4` `M:03 B:030 L:036=4`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Units	4 Units
Building Area	1,105 sqft Living Area

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Other
Exterior Material	Combination
Roof Type	Mansard
Roof Material	Slate
Lot Area	8,552 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	3-030-036-4
Street Address	36 ELM ST, 4
City	WORCESTER
State	MA
Zip	01609-2575
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Block	30
Legal Lot Number	36-4
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3001
Census Tract	731700

Owner

36 Elm St, Unit 4 is owned and occupied by an individual who bought it in June 2015.

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 File
Mailing Address	36 ELM ST, 4, WORCESTER, MA 01609-2575
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Feb 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK
Oct 5, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2015 · Amount on File
Deed Sale	Jun 12, 2015 · Amount on File
Prior Sale	Apr 26, 2004 · Amount on File
Deed Book / Page	53846 / 65
Transfer Doc	0053846-65
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	36 ELM ST UNIT 4, 4, WORCESTER, MA 01609-2575
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070457-330
Date	May 1, 2024
Book Page	70457/330
Instrument	31911

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	36 ELM ST UNIT 4, 4, WORCESTER, MA 01609-2575
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064462-217
Date	Feb 16, 2021
Book Page	64462/217
Instrument	21509

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Mar 1, 2031

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	36 ELM ST UNIT 4, 4, WORCESTER, MA 01609-2575
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63422-145
Date	Oct 5, 2020
Book Page	63422/145
Instrument	117202

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	61 Months
Due	Nov 1, 2025

Tax Assessment & Valuation

The 2026 property tax bill for 36 Elm St, Unit 4 was $3,588, up 6.1% from the year before.

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	$3,588.00 (+6.06%)	$270,200 (+5.34%) Building $270,200	$277,524 (+5.35%)
2025	$3,383.00	$256,500 Building $256,500	$263,435 (+0.11%)
2024			$263,150
2023	$3,232.00	$225,400 Building $225,400

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

Flood

FEMA maps place 36 Elm St, Unit 4 in Zone X, an area of minimal flood risk.

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

The area around 36 Elm St, Unit 4 has no burnable land within ember reach, so its wildfire risk is not rated.

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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