39 Central St, Ashburnham, MA 01430 Property Records

Worcester County and Ashburnham Town property record for 39 Central St, Ashburnham, MA 01430

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,100 sqft · built 1880
Lot Size	1.69 acres (73,939 sqft)
Owner	Individual Name on Record
Tax Bill	$3,753 (2025)
Deeds & Mortgages	Oct 2025 Reverse Mortgage Oct 2025 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ASHB M:0061 B:000017`

Property Details

APN / Parcel Number

Primary APN	`ASHB M:0061 B:000017`
Alternative APN	`ABHM M:0061 B:000017`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,100 sqft Living Area
Gross Area	3,230 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	73,939 sqft (1.69 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	39 CENTRAL ST
City	ASHBURNHAM
State	MA
Zip	01430-1265
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	17
Jurisdiction	ASHBURNHAM MA
Township / Civil Division	ASHBURNHAM
Census Block Group	5
Census Block	5005
Census Tract	700100

Owner

Source: Worcester County and Ashburnham Town records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	39 CENTRAL ST, ASHBURNHAM, MA 01430-1265
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2025	Deed of Trust, Mortgage · Reverse Mortgage PHH US MORTGAGE CORP
Oct 29, 2025	Deed of Trust, Mortgage · Reverse Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jan 11, 2017	Deed of Trust, Mortgage GFA FEDERAL CREDIT UNION
Nov 25, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GFA FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBURNHAM MA
Property Address	39 CENTRAL ST, ASHBURNHAM, MA 01430-1265
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	011091-120
Date	Oct 29, 2025
Book Page	11091/120
Instrument	14604

Lender

Name	PHH US MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	937 Months
Due	Nov 1, 2103

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Type Change Date	Dec 1, 2025
Index	Other

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBURNHAM MA
Property Address	39 CENTRAL ST, ASHBURNHAM, MA 01430-1265
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	011091-134
Date	Oct 29, 2025
Book Page	11091/134
Instrument	14605

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	937 Months
Due	Nov 1, 2103

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Type Change Date	Dec 1, 2025
Index	Other

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBURNHAM MA
Property Address	39 CENTRAL ST, ASHBURNHAM, MA 01430-1265
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8740-370
Date	Jan 11, 2017
Book Page	8740/370
Instrument	495

Lender

Name	GFA FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	108 Months
Due	Jan 1, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBURNHAM MA
Property Address	39 CENTRAL ST, ASHBURNHAM, MA 01430-1265
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9799-63
Date	Nov 25, 2020
Book Page	9799/63
Instrument	21681

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,753.00 (+1.62%)	$252,400 (+7.63%) Land $38,800 Building $213,600	$268,755 (-0.04%)
2024	$3,693.00 (-2.25%)	$234,500 (+2.72%) Land $38,600 Building $195,900	$268,850
2023	$3,778.00	$228,300 Land $38,600 Building $189,700

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2003)
Most Recent Claim	Mar 2003 · river or lake flooding

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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