Worcester County and Sturbridge Town property record for 38 Breakneck Rd, Sturbridge, MA 01566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,714 sqft · built 2000 |
| Lot Size | 1.59 acres (69,260 sqft) |
| Owner | Individual Name on File |
| Last Sale | $208,000 (Sep 2012) |
| Tax Bill | $6,749 (2026) |
| Deeds & Mortgages | Jun 2025 Line of Credit Jan 2023 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 170-04513-038 |
| Primary APN | 170-04513-038 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,714 sqft Living Area |
| Gross Area | 3,302 sqft |
| Basement Area | 952 sqft |
| Unfinished Basement | 952 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 69,260 sqft (1.59 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 170-04513-038 |
|---|---|
| Street Address | 38 BREAKNECK RD |
| City | STURBRIDGE |
| State | MA |
| Zip | 01566-1130 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Subdivision | HAY-WOOD FARMS ICN |
| Legal Lot Number | 4513-38 |
| Jurisdiction | STURBRIDGE MA |
| Township / Civil Division | STURBRIDGE |
| Census Block Group | 1 |
| Census Block | 1056 |
| Census Tract | 758101 |
38 Breakneck Rd is owned and occupied by an individual who bought it in September 2012.
Source: Worcester County and Sturbridge Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 38 BREAKNECK RD, STURBRIDGE, MA 01566-1130 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 24, 2025 | Deed of Trust, Mortgage · Line of Credit CORNERSTONE BANK |
| Jan 10, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK |
| Jul 11, 2019 | Deed of Trust, Mortgage · Line of Credit SOUTHBRIDGE CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 14, 2012 · Amount on File |
| Deed Sale | Sep 14, 2012 · Amount on File |
| Prior Sale | Sep 23, 2005 · Amount on File |
| Deed Book / Page | 49617 / 288 |
| Transfer Doc | 049617-288 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STURBRIDGE MA |
| Property Address | 38 BREAKNECK RD, STURBRIDGE, MA 01566-1130 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 072158-103 |
|---|---|
| Date | Jun 24, 2025 |
| Book Page | 72158/103 |
| Instrument | 50860 |
| Name | CORNERSTONE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jul 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STURBRIDGE MA |
| Property Address | 38 BREAKNECK RD, STURBRIDGE, MA 01566-1130 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 068702-261 |
|---|---|
| Date | Jan 10, 2023 |
| Book Page | 68702/261 |
| Instrument | 2286 |
| Name | CORNERSTONE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 289 Months |
| Due | Feb 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STURBRIDGE MA |
| Property Address | 38 BREAKNECK RD, STURBRIDGE, MA 01566-1130 |
| Document Number | 60723-340 |
| Instrument Date | Jul 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 38 BREAKNECK RD STURBRIDGE MA 015661130, STURBRIDGE, MA 01566-1130 |
| Document Number | 60723-340 |
|---|---|
| Date | Jul 18, 2019 |
| Book Page | 060723/000340 |
| Instrument | 69119 |
| Name | SOUTHBRIDGE CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 17, 2039 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 38 Breakneck Rd was $6,749, up 3% from the year before.
Source: Worcester County and Sturbridge Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Sturbridge Town |
| Elementary School District | Sturbridge School District (PK - 06) |
| Secondary School District | Tantasqua School District (07 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,749.00 (+2.98%) | $432,600 (+5.15%) Land $90,100 Building $342,500 | $487,355 (+11.6%) |
| 2025 | $6,554.00 (+4.23%) | $411,400 (+7.89%) Land $86,600 Building $324,800 | $436,715 (+0.15%) |
| 2024 | $6,288.00 (+6.13%) | $381,300 (+16.29%) Land $84,900 Building $296,400 | $436,050 |
| 2023 | $5,925.00 | $327,900 Land $74,000 Building $253,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38 Breakneck Rd in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 38 Breakneck Rd is low, with a 0.01% annual chance of wildfire.
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: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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