396 School St, Winchendon, MA 01475 Property Records

Worcester County and Winchendon Town property record for 396 School St, Winchendon, MA 01475

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,289 sqft · built 1989
Lot Size	0.925 acres (40,293 sqft)
Owner	2 Individual Names on File
Last Sale	$185,900 (Oct 2002)
Tax Bill	$3,479 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Mar 2026 Transfer + 1 more
APN	`WINC M:2 B:0 L:145`

Property Details

APN / Parcel Number

Primary APN	`WINC M:2 B:0 L:145`
Alternative APN	`WCDN M:2 B:0 L:145`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,289 sqft Living Area
Gross Area	2,655 sqft
Basement Area	1,242 sqft
Unfinished Basement	1,242 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,293 sqft (0.925 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	396 SCHOOL ST
City	WINCHENDON
State	MA
Zip	01475-2247
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C2
Legal Lot Number	145
Jurisdiction	WINCHENDON MA
Township / Civil Division	WINCHENDON
Census Block Group	1
Census Block	1008
Census Tract	702202

Owner

396 School St is owned and occupied by two individuals who acquired it in March 2026.

Source: Worcester County and Winchendon Town records, as of August 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	396 SCHOOL ST, WINCHENDON, MA 01475-2247
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jul 15, 2026	Deed of Trust, Mortgage · Line of Credit ROCKLAND TRUST COMPANY
Mar 6, 2026	Quit Claim Deed, Transfer Quitclaim
Jun 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2002 · Amount on File
Deed Sale	Oct 30, 2002 · Amount on File
Prior Sale	Oct 24, 1989 · Amount on File
Deed Book / Page	27935 / 58
Last Transfer Date	Mar 6, 2026
Transfer Doc	073279-284
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHENDON MA
Recording Date	Jul 15, 2026
Property Address	396 SCHOOL ST, WINCHENDON, MA 01475-2247
Document Number	0000059711
Book / Page	73882 / 218
Instrument Date	Jul 10, 2026
Instrument	202659711
Transaction Type	Mortgage
Record Updated	Aug 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	396 SCHOOL ST, WINCHENDON, MA 01475-2247

Mortgage

Document Number	0000059711,
Date	Jul 15, 2026
Book Page	73882/218
Instrument	202659711

Lender

Name	ROCKLAND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.52%
Initial Type	Adjustable Rate
Max Rate	-1%

March 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHENDON MA
Recording Date	Mar 6, 2026
Property Address	396 SCHOOL ST, WINCHENDON, MA 01475-2247
Document Number	073279-284
Book / Page	73279 / 284
Instrument Date	Mar 6, 2026
Instrument	17223
Transaction Type	Transfer
Record Updated	Mar 25, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	396 SCHOOL ST, WINCHENDON, MA 01475-2247

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHENDON MA
Property Address	396 SCHOOL ST, WINCHENDON, MA 01475-2247
Transaction Type	Mortgage
Record Updated	Jun 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	65289-207
Date	Jun 1, 2021
Book Page	65289/207
Instrument	75477

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Jul 1, 2031

Tax Assessment & Valuation

The 2025 property tax bill for 396 School St was $3,479, up 4.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,479.00 (+4.29%)	$296,100 (+11.32%) Land $40,500 Building $255,600	$349,505 (+12.4%)
2024	$3,336.00 (+1.4%)	$266,000 (+8.35%) Land $38,700 Building $227,300	$310,935
2023	$3,290.00	$245,500 Land $37,900 Building $207,600

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

Flood

FEMA's flood maps do not cover 396 School St; 2 flood insurance policies are in force nearby.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
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 396 School St 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	WINCHENDON WATER DEPARTMENT serves 5,706 people · EPA ID MA2343000
Water Source	Purchased surface water from ASH/WIN JOINT WATER AUTHORITY
Last State Inspection	Dec 2024
Lead	1 ppb (2024–2026) 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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