4 Central Tree Rd, Rutland, MA 01543 Property Records

Worcester County and Rutland Town property record for 4 Central Tree Rd, Rutland, MA 01543

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,696 sqft · built 1914
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$342,900 (Mar 2021)
Tax Bill	$4,995 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit Mar 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:059A L:C-1`

Property Details

APN / Parcel Number

Primary APN	`M:059A L:C-1`
Alternative APN	`RUTL M:59-A B:C L:1`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,696 sqft Living Area
Gross Area	3,004 sqft

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Architectural Style	Historical
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	4 CENTRAL TREE RD
City	RUTLAND
State	MA
Zip	01543-1968
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	RUTLAND
Legal Block	C
Legal Lot Number	1
Jurisdiction	RUTLAND MA
Township / Civil Division	RUTLAND
Census Block Group	1
Census Block	1028
Census Tract	721103

Owner

4 Central Tree Rd is owned and occupied by two individuals who bought it in March 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	4 CENTRAL TREE RD, RUTLAND, MA 01543-1968
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2021	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Mar 18, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Mar 6, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
Sep 8, 2017	Quit Claim Deed, Transfer · FHA Mortgage NORTHPOINT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2021 · Amount on File
Deed Sale	Mar 18, 2021 · Amount on File
Prior Sale	Sep 8, 2017 · Amount on File
Deed Book / Page	64711 / 185
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTLAND MA
Property Address	4 CENTRAL TREE RD, RUTLAND, MA 01543-1968
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064508-191
Date	Feb 22, 2021
Book Page	64508/191
Instrument	24269

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RUTLAND MA
Recording Date	Mar 18, 2021
Property Address	4 CENTRAL TREE RD, RUTLAND, MA 01543-1968
Document Number	64711-185
Book / Page	64711 / 185
Instrument Date	Mar 18, 2021
Instrument	37406
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4 CENTRAL TREE RD, RUTLAND, MA 01543-1968

Mortgage

Document Number	37407
Date	Mar 18, 2021
Instrument	37407

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTLAND MA
Property Address	4 CENTRAL TREE RD, RUTLAND, MA 01543-1968
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62002-60
Date	Mar 6, 2020
Book Page	62002/60
Instrument	23896

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RUTLAND MA
Recording Date	Sep 8, 2017
Property Address	4 CENTRAL TREE RD, RUTLAND, MA 01543-1968
Document Number	57703-181
Book / Page	57703 / 181
Instrument	98810
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$40.93
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 CENTRAL TREE RD, RUTLAND, MA 01543-1968

Mortgage

Document Number	577030184
Date	Sep 8, 2017
Instrument	57703/0184

Lender

Name	NORTHPOINT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 8, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4 Central Tree Rd was $4,995, up 4.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,995.00 (+4.76%)	$350,800 (+9.11%) Land $93,900 Building $256,900	$500,175 (+3.83%)
2024	$4,768.00 (+8.54%)	$321,500 (+0.41%) Land $84,200 Building $237,300	$481,745
2023	$4,393.00	$320,200 Land $79,500 Building $240,700

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

Flood

FEMA maps place 4 Central Tree Rd 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	1 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 4 Central Tree Rd 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	RUTLAND WATER DEPARTMENT serves 6,025 people · EPA ID MA2257000
Water Source	Surface water
Last State Inspection	Nov 2023
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Tetrachloroethylene resolved · Apr 2023
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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