Worcester County and Lancaster Town property record for 398 Nicholas Dr, Lancaster, MA 01523
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,957 sqft · built 2005 |
| Lot Size | 0.48 acres (20,909 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $464,300 (Aug 2018) |
| Tax Bill | $11,102 (2025) |
| Deeds & Mortgages | Aug 2021 Refinance Oct 2021 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | LANC M:036.0 B:0000 L:0002.J |
| Primary APN | LANC M:036.0 B:0000 L:0002.J |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,957 sqft Living Area |
| 1st Floor Area | 1,957 sqft |
| Basement Area | 1,957 sqft |
| Unfinished Basement | 960 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,909 sqft (0.48 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 398 NICHOLAS DR |
|---|---|
| City | LANCASTER |
| State | MA |
| Zip | 01523-2970 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | 2.J |
| Jurisdiction | LANCASTER MA |
| Township / Civil Division | LANCASTER |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 713100 |
398 Nicholas Dr is owner-occupied and held in a trust since October 2021.
Source: Worcester County and Lancaster Town records, as of July 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 398 NICHOLAS DR, LANCASTER, MA 01523-2970 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 20, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ST MARYS CREDIT UNION |
| Oct 14, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Aug 20, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ST MARYS CREDIT UNION |
| Dec 13, 2018 | Deed of Trust, Mortgage · Line of Credit ST MARY'S CU |
| Aug 29, 2018 | Quit Claim Deed, Transfer · Conventional Mortgage MORTGAGE NTWK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 29, 2018 · Amount on File |
| Deed Sale | Aug 29, 2018 · Amount on File |
| Prior Sale | Feb 11, 2015 · Amount on File |
| Deed Book / Page | 59329 / 341 |
| Last Transfer Date | Oct 13, 2021 |
| Transfer Doc | 66289-287 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 398 NICHOLAS DR, LANCASTER, MA 01523-2970 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 065877-215 |
|---|---|
| Date | Aug 20, 2021 |
| Book Page | 65877/215 |
| Instrument | 117027 |
| Name | ST MARYS CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LANCASTER MA |
| Recording Date | Oct 14, 2021 |
| Property Address | 398 NICHOLAS DR, LANCASTER, MA 01523-2970 |
| Document Number | 66289-287 |
| Book / Page | 66289 / 287 |
| Instrument Date | Oct 13, 2021 |
| Instrument | 144114 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 398 NICHOLAS DR, LANCASTER, MA 01523-2970 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 398 NICHOLAS DR, LANCASTER, MA 01523-2970 |
| Transaction Type | Mortgage |
| Record Updated | Sep 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 65877-215 |
|---|---|
| Date | Aug 20, 2021 |
| Book Page | 65877/215 |
| Instrument | 117027 |
| Name | ST MARYS CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 398 NICHOLAS DR, LANCASTER, MA 01523-2970 |
| Document Number | 59833-143 |
| Instrument Date | Dec 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 8, 2019 |
| Name | Verified Name |
|---|---|
| Address | 398 NICHOLAS DR LANCASTER MA 015232970, LANCASTER, MA 01523-2970 |
| Document Number | 59833-143 |
|---|---|
| Date | Dec 18, 2018 |
| Book Page | 059833/000143 |
| Instrument | 133524 |
| Name | ST MARY'S CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LANCASTER MA |
| Recording Date | Aug 29, 2018 |
| Property Address | 398 NICHOLAS DR, LANCASTER, MA 01523-2970 |
| Document Number | 59329-341 |
| Book / Page | 059329 / 000341 |
| Instrument Date | Aug 29, 2018 |
| Instrument | 91134 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2019 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,117.21 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 398 NICHOLAS DR LANCASTER MA 015232970, LANCASTER, MA 01523-2970 |
| Document Number | 59329-345 |
|---|---|
| Date | Aug 29, 2018 |
| Book Page | 059329/000345 |
| Instrument | 91135 |
| Name | MORTGAGE NTWK |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 28, 2048 |
The 2025 property tax bill for 398 Nicholas Dr was $11,102.
Source: Worcester County and Lancaster Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Lancaster Town |
| Unified School District | Nashoba School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,102.00 | $687,000 Land $67,300 Building $619,700 | $677,730 (+0.1%) |
| 2024 | $677,065 | ||
| 2023 | $10,474.00 | $609,300 Land $49,900 Building $559,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 398 Nicholas Dr 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 | 4 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 risk around 398 Nicholas Dr 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LANCASTER WATER DEPARTMENT serves 6,000 people · EPA ID MA2147000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2026 |
| Lead | 17 ppb (2024–2026) 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.
Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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