38 Andover St, Worcester, MA 01606 Property Records

Worcester County and Worcester City property record for 38 Andover St, Worcester, MA 01606

Property Summary

Property Type	Triplex
Details	6 bd · 3.5 ba · 3,960 sqft · built 1915
Lot Size	0.165 acres (7,191 sqft)
Owner	2 Individual Names on Record
Last Sale	$615,000 (Jun 2022)
Tax Bill	$10,235 (2026)
Deeds & Mortgages	Jun 2023 Mortgage Jun 2022 Sale & Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-006-00005`

Property Details

APN / Parcel Number

Primary APN	`12-006-00005`
Alternative APN	`WORC M:12 B:006 L:00005`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	15 Rooms
Units	3 Units
Stories	3 Stories
Building Area	3,960 sqft Living Area
Gross Area	7,582 sqft
1st Floor Area	1,352 sqft
Attic	Attic
Attic Area	1,339 sqft
Basement Area	1,504 sqft
Unfinished Basement	1,504 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,191 sqft (0.165 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Steam

Location & Zoning

Account Number	12-006-00005
Street Address	38 ANDOVER ST
City	WORCESTER
State	MA
Zip	01606-2170
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	RG-5
Legal Block	6
Legal Lot Number	5
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	1
Census Block	1011
Census Tract	730300

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	5 MIAMI ST, WORCESTER, MA 01605-1613
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2023	Quit Claim Deed, Transfer · ARM COUNTRY BANK
Jun 8, 2022	Quit Claim Deed, Construction Loan · Construction Mortgage ABL RPC RES CREDIT AC
Oct 9, 2018	Deed of Trust, Mortgage · Conventional Mortgage ROSS MTG CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2022 · Amount on Record
Deed Sale	Jun 8, 2022 · Amount on Record
Deed Document Number	202262613
Last Transfer Date	Jun 29, 2023
Transfer Doc	0069325-66
Record Updated	Oct 29, 2026

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Jun 29, 2023
Property Address	38 ANDOVER ST, WORCESTER, MA 01606-2170
Document Number	0069325-66
Book / Page	69325 / 66
Instrument Date	Jun 29, 2023
Instrument	51949
Transaction Type	Transfer
Record Updated	Jul 19, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5 MIAMI ST, WORCESTER, MA 01605-1613

Mortgage

Document Number	0069325-69
Date	Jun 29, 2023
Book Page	69325/69
Instrument	51950

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Jul 1, 2033
Index	1-Year CMT

June 2022: Quit Claim Deed, Construction Loan

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Jun 8, 2022
Property Address	38 ANDOVER ST, WORCESTER, MA 01606-2170
Document Number	067719-367
Book / Page	67719 / 367
Instrument Date	Jun 8, 2022
Instrument	62613
Transaction Type	Construction Loan
Record Updated	Jun 24, 2022
Title Company	MISC COMPANY

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	82 WENDELL AVE # STE10, STE10, PITTSFIELD, MA 01201-7066

Mortgage

Document Number	0000062614
Date	Jun 8, 2022
Instrument	62614

Lender

Name	ABL RPC RES CREDIT AC

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	38 ANDOVER ST, WORCESTER, MA 01606-2170
Document Number	59524-82
Instrument Date	Oct 9, 2018
Transaction Type	Mortgage
Record Updated	Oct 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	38 ANDOVER ST WORCESTER MA 016062342, WORCESTER, MA 01606-2342

Mortgage

Document Number	59524-82
Date	Oct 9, 2018
Book Page	059524/000082
Instrument	107234

Lender

Name	ROSS MTG CO INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 8, 2048

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
2026	$10,235.00 (+3.4%)	$770,700 (+2.71%) Land $123,500 Building $647,200
2025	$9,898.00 (+13.22%)	$750,400 (+23.1%) Land $117,600 Building $632,800
2023	$8,742.00	$609,600 Land $102,300 Building $507,300

Assessed value is set for property tax purposes and is not a market price estimate.

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 391 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	300 / 20

May also be available: AT&T, Netafy.

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