Worcester County and Worcester City property record for 38 Elm St, Unit 3, Worcester, MA 01609
| Property Type | Condominium |
|---|---|
| Details | 1 bd · 1 ba · 1,082 sqft · built 1890 |
| Lot Size | 0.196 acres (8,552 sqft) |
| Owner | Individual Name on File |
| Last Sale | $180,000 (Feb 2008) |
| Tax Bill | $3,538 (2026) |
| Deeds & Mortgages | Jun 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-030-038-3 |
| Primary APN | 3-030-038-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Units | 4 Units |
| Stories | 3 Stories |
| Building Area | 1,082 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 3-030-038-3 |
|---|---|
| Street Address | 38 ELM ST, 3 |
| City | WORCESTER |
| State | MA |
| Zip | 01609-2563 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Block | 30 |
| Legal Lot Number | 38-3 |
| Jurisdiction | WORCESTER MA |
| Township / Civil Division | WORCESTER |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 731700 |
38 Elm St, Unit 3 is owned and occupied by an individual who bought it in February 2008.
Source: Worcester County and Worcester City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 38 ELM ST, 3, 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 15, 2008 · Amount on File |
| Deed Sale | Feb 15, 2008 · Amount on File |
| Prior Sale | May 24, 2004 · Amount on File |
| Deed Book / Page | 42421 / 381 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 38 ELM ST UNIT 3, 3, WORCESTER, MA 01609-2563 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Name | Verified Name |
|---|
| Document Number | 067749-162 |
|---|---|
| Date | Jun 15, 2022 |
| Book Page | 67749/162 |
| Instrument | 64896 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2037 |
The 2026 property tax bill for 38 Elm St, Unit 3 was $3,538, up 6.1% from the year before.
Source: Worcester County and Worcester City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Worcester City |
| Unified School District | Worcester School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,538.00 (+6.06%) | $266,400 (+5.34%) Building $266,400 | $253,898 (-5.76%) |
| 2025 | $3,336.00 | $252,900 Building $252,900 | $269,420 (+1.36%) |
| 2024 | $265,810 | ||
| 2023 | $3,188.00 | $222,300 Building $222,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38 Elm St, Unit 3 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.
The area around 38 Elm St, Unit 3 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.
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 |
| 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.
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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