39 Arch St, Westborough, MA 01581 Property Records

Worcester County and Westborough Town property record for 39 Arch St, Westborough, MA 01581

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,559 sqft · built 1998
Lot Size	0.402 acres (17,498 sqft)
Owner	2 Individual Names on Record
Tax Bill	$15,615 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Jul 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WBOR M:0013 B:000018 L:0`

Property Details

APN / Parcel Number

Primary APN	`WBOR M:0013 B:000018 L:0`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,559 sqft Living Area
Gross Area	5,094 sqft
1st Floor Area	1,436 sqft
Basement Area	1,272 sqft
Unfinished Basement	1,272 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,498 sqft (0.402 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	39 ARCH ST
City	WESTBOROUGH
State	MA
Zip	01581-3700
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Block	18
Jurisdiction	WESTBOROUGH MA
Township / Civil Division	WESTBOROUGH
Census Block Group	1
Census Block	1016
Census Tract	742402

Owner

Source: Worcester County and Westborough Town 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	39 ARCH ST, WESTBOROUGH, MA 01581-3700
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2025	Deed of Trust, Mortgage · Line of Credit CENTRAL ONE FCU
Jul 29, 2025	Deed of Trust, Mortgage · Line of Credit CENTRAL ONE FCU
Jan 29, 2019	Deed of Trust, Mortgage CENTRAL ONE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTBOROUGH MA
Property Address	39 ARCH ST, WESTBOROUGH, MA 01581-3700
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072963-116
Date	Dec 15, 2025
Book Page	72963/116
Instrument	109064

Lender

Name	CENTRAL ONE FCU

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTBOROUGH MA
Property Address	39 ARCH ST, WESTBOROUGH, MA 01581-3700
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072317-322
Date	Jul 29, 2025
Book Page	72317/322
Instrument	62473

Lender

Name	CENTRAL ONE FCU

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTBOROUGH MA
Property Address	39 ARCH ST, WESTBOROUGH, MA 01581-3700
Transaction Type	Mortgage
Record Updated	Jun 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	059983-248
Date	Jan 29, 2019
Book Page	59983/248
Instrument	8273

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

Source: Worcester County and Westborough Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Westborough Town
Unified School District	Westborough School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$15,615.00 (+5.61%)	$980,200 (+8%) Land $352,100 Building $628,100	$1,002,706 (+10.66%)
2025	$14,785.00 (+4.24%)	$907,600 (+5.01%) Land $329,100 Building $578,500	$906,110 (+7.91%)
2024	$14,183.00 (+7.06%)	$864,300 (+9.86%) Land $313,200 Building $551,100	$839,705
2023	$13,248.00	$786,700 Land $295,400 Building $491,300

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WESTBOROUGH WATER DEPARTMENT serves 21,567 people · EPA ID MA2328000
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Nov 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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