38 Elm St, Unit 2, Worcester, MA 01609 Property Records

Worcester County and Worcester City property record for 38 Elm St, Unit 2, Worcester, MA 01609

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 1,141 sqft · built 1890
Lot Size	0.196 acres (8,552 sqft)
Owner	Individual Name on File
Last Sale	$229,550 (Oct 2020)
Tax Bill	$4,231 (2026)
Deeds & Mortgages	Mar 2020 Line of Credit Oct 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`3-030-038-2`

Property Details

APN / Parcel Number

Primary APN	`3-030-038-2`
Alternative APNs	`WORC M:03 B:030 L:038-2` `M:03 B:030 L:038=2`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Units	4 Units
Stories	2 Stories
Building Area	1,141 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	3-030-038-2
Street Address	38 ELM ST, 2
City	WORCESTER
State	MA
Zip	01609-2563
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Subdivision	BROWNSTONE CONDO
Legal Block	30
Legal Lot Number	38-2
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3001
Census Tract	731700

Owner

38 Elm St, Unit 2 is owned and occupied by an individual who bought it in October 2020.

Source: Worcester County and Worcester City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	38 ELM ST, 2, WORCESTER, MA 01609-2563
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2020	Deed of Trust, Mortgage · Line of Credit WORCESTER CU
Oct 5, 2020	Condominium Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2020 · Amount on File
Deed Sale	Oct 5, 2020 · Amount on File
Prior Sale	Jul 31, 2013 · Amount on File
Deed Book / Page	63422 / 240
Transfer Doc	5129000204
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	38 ELM ST UNIT 2, 2, WORCESTER, MA 01609-2563
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62011-214
Date	Mar 9, 2020
Book Page	62011/214
Instrument	24556

Lender

Name	WORCESTER CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2040

October 2020: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	WORCESTER MA
Recording Date	Oct 5, 2020
Property Address	38 ELM ST UNIT 2, 2, WORCESTER, MA 01609-2563
Document Number	63422-240
Book / Page	063422 / 000240
Instrument Date	Jun 26, 2020
Instrument	117220
Transaction Type	Transfer
Record Updated	Oct 27, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$1,047.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 ELM ST #2 WORCESTER MA 016092563, 2, WORCESTER, MA 01609-2563

Tax Assessment & Valuation

The 2026 property tax bill for 38 Elm St, Unit 2 was $4,231, 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	$4,231.00 (+6.07%)	$318,600 (+5.36%) Building $318,600	$288,563 (-0.74%)
2025	$3,989.00	$302,400 Building $302,400	$290,700 (+1.16%)
2024			$287,375
2023	$3,812.00	$265,800 Building $265,800

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

Flood

FEMA maps place 38 Elm St, Unit 2 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 38 Elm St, Unit 2 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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