4 Matthew Ln, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 4 Matthew Ln, Sterling, MA 01564

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,840 sqft · built 1998
Lot Size	1.02 acres (44,431 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Feb 2007)
Tax Bill	$9,888 (2026)
Deeds & Mortgages	Oct 2021 Line of Credit Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`STER M:00091 L:00015`

Property Details

APN / Parcel Number

Primary APN	`STER M:00091 L:00015`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,840 sqft Living Area
Gross Area	5,020 sqft
Basement Area	1,172 sqft
Unfinished Basement	1,172 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	44,431 sqft (1.02 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	4 MATTHEW LN
City	STERLING
State	MA
Zip	01564-1541
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RRF
Legal Lot Number	15
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	5
Census Block	5033
Census Tract	719100

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	4 MATTHEW LN, STERLING, MA 01564-1541
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2021	Deed of Trust, Mortgage · Line of Credit SANTANDER BANK NA
Oct 23, 2019	Deed of Trust, Mortgage · Balloon Mortgage SANTANDER BANK NA
Dec 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2007 · Amount on Record
Deed Sale	Feb 16, 2007 · Amount on Record
Prior Sale	Feb 16, 2007 · Amount on Record
Deed Document Number	200721073
Deed Book / Page	40679 / 268
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	4 MATTHEW LN, STERLING, MA 01564-1541
Transaction Type	Mortgage
Record Updated	Nov 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66351-16
Date	Oct 21, 2021
Book Page	66351/16
Instrument	148299

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	4 MATTHEW LN, STERLING, MA 01564-1541
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61284-131
Date	Oct 23, 2019
Book Page	61284/131
Instrument	112194

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	4 MATTHEW LN, STERLING, MA 01564-1541
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64064-287
Date	Dec 23, 2020
Book Page	64064/287
Instrument	161103

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

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	$9,888.00 (+1.85%)	$787,900 (+4.54%) Land $179,700 Building $608,200	$677,540 (-)
2025	$9,708.00 (+2.59%)	$753,700 (+6.01%) Land $155,600 Building $598,100	$677,540 (+4.36%)
2024	$9,463.00 (+6.36%)	$711,000 (+14.27%) Land $150,400 Building $560,600	$649,230
2023	$8,897.00	$622,200 Land $142,600 Building $479,600

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
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

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	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 81 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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