39 Main St, #41, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 39 Main St, #41, Sterling, MA 01564

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,936 sqft · built 1900
Lot Size	0.468 acres (20,400 sqft)
Owner	2 Trust Names on File
Last Sale	$645,000 (Nov 2024)
Tax Bill	$7,913 (2026)
Deeds & Mortgages	Mar 2017 Line of Credit Jun 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`STER M:00092 L:00115`

Property Details

APN / Parcel Number

Primary APN	`STER M:00092 L:00115`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Building Area	1,936 sqft Living Area
Gross Area	3,139 sqft
Basement Area	968 sqft
Unfinished Basement	968 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Lot Area	20,400 sqft (0.468 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	39 MAIN ST, 41
City	STERLING
State	MA
Zip	01564-2128
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TCD
Legal Lot Number	115
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	5
Census Block	5036
Census Tract	719100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Sterling Center Historic District listed 1988 · 111 contributing resources · NRIS 88000425

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

39 Main St, #41 is owner-occupied and held in a trust since November 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	39 MAIN ST, 41, STERLING, MA 01564-2128
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Trust

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 10, 2017	Deed of Trust, Mortgage · Line of Credit RTN FCU
Jun 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CLINTON SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2024 · Amount on File
Deed Sale	Nov 22, 2024 · Amount on File
Prior Sale	Jun 29, 2012 · Amount on File
Deed Document Number	202497872
Deed Book / Page	71333 / 89
Prior Transfer Date	Nov 18, 2024
Prior Transfer Doc	0071333-89
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	39-41 MAIN ST, STERLING, MA 01564
Transaction Type	Mortgage
Record Updated	Apr 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	056832-208
Date	Mar 10, 2017
Book Page	56832/208
Instrument	24590

Lender

Name	RTN FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Mar 1, 2037

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	39-41 MAIN ST, STERLING, MA 01564
Transaction Type	Mortgage
Record Updated	Apr 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065470-172
Date	Jun 25, 2021
Book Page	65470/172
Instrument	88327

Lender

Name	CLINTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 39 Main St, #41 was $7,913, up 8.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,913.00 (+8.75%)	$630,500 (+11.61%) Land $160,600 Building $469,900	$611,420 (-)
2025	$7,276.00 (+9.05%)	$564,900 (+12.69%) Land $139,100 Building $425,800	$611,420 (+2.83%)
2024	$6,672.00 (-3%)	$501,300 (+4.22%) Land $134,500 Building $366,800	$594,605
2023	$6,878.00	$481,000 Land $127,500 Building $353,500

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

Flood

FEMA maps place 39 Main St, #41 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

Wildfire risk around 39 Main St, #41 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.

Drinking Water

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

Water System	STERLING WATER DEPARTMENT serves 6,814 people · EPA ID MA2282000
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	9 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Feb 2024
Monitoring and Reporting	1 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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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