40 Armsby Rd, Sutton, MA 01590 Property Records

Worcester County and Sutton Town property record for 40 Armsby Rd, Sutton, MA 01590

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,006 sqft · built 1998
Lot Size	1.84 acres (80,436 sqft)
Owner	2 Individual Names on Record
Last Sale	$663,000 (Jun 2020)
Tax Bill	$11,089 (2026)
Deeds & Mortgages	Mar 2022 Refinance Mar 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SUTT M:0017 P:61`

Property Details

APN / Parcel Number

Primary APN	`SUTT M:0017 P:61`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,006 sqft Living Area
Gross Area	7,344 sqft
1st Floor Area	1,880 sqft
Attic	Attic
Attic Area	600 sqft
Basement Area	1,860 sqft
Unfinished Basement	1,860 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	80,436 sqft (1.84 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	40 ARMSBY RD
City	SUTTON
State	MA
Zip	01590-2987
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Jurisdiction	SUTTON MA
Township / Civil Division	SUTTON
Census Block Group	2
Census Block	2019
Census Tract	751102

Owner

Source: Worcester County and Sutton 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	40 ARMSBY RD, SUTTON, MA 01590-2987
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ST MARYS CREDIT UNION
Mar 1, 2022	Deed of Trust, Mortgage · Line of Credit ST MARYS CREDIT UNION
Jun 17, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ST MARYS CREDIT UNION
May 13, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jan 4, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2020 · Amount on Record
Deed Sale	Jun 17, 2020 · Amount on Record
Prior Sale	Mar 23, 1998 · Amount on Record
Deed Document Number	202063791
Deed Book / Page	62614 / 224
Prior Transfer Date	Jun 12, 2020
Prior Transfer Doc	62614-224
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUTTON MA
Property Address	40 ARMSBY RD, SUTTON, MA 01590-2987
Transaction Type	Mortgage
Record Updated	Mar 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067196-243
Date	Mar 1, 2022
Book Page	67196/243
Instrument	23679

Lender

Name	ST MARYS CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2042

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUTTON MA
Property Address	40 ARMSBY RD, SUTTON, MA 01590-2987
Transaction Type	Mortgage
Record Updated	Mar 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067196-261
Date	Mar 1, 2022
Book Page	67196/261
Instrument	23680

Lender

Name	ST MARYS CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SUTTON MA
Recording Date	Jun 17, 2020
Property Address	40 ARMSBY RD, SUTTON, MA 01590-2987
Document Number	62614-224
Book / Page	62614 / 224
Instrument Date	Jun 12, 2020
Instrument	63791
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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
Address	40 ARMSBY RD, SUTTON, MA 01590-2987

Mortgage

Document Number	63792
Date	Jun 17, 2020
Instrument	63792

Lender

Name	ST MARYS CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SUTTON MA
Recording Date	May 13, 2020
Property Address	40 ARMSBY RD, SUTTON, MA 01590-2987
Document Number	62384-272
Book / Page	062384 / 000272
Instrument Date	May 13, 2020
Instrument	48439
Transaction Type	Transfer
Record Updated	Jun 2, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40 ARMSBY RD SUTTON MA 015902987, SUTTON, MA 01590-2987

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SUTTON MA
Recording Date	Jan 4, 2017
Property Address	40 ARMSBY RD, SUTTON, MA 01590-2987
Document Number	56568-123
Book / Page	056568 / 000123
Instrument Date	Jan 4, 2017
Instrument	1003
Transaction Type	Transfer
Record Updated	Jan 24, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 ARMSBY RD SUTTON MA 015902987, SUTTON, MA 01590-2987

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,089.00 (+1.72%)	$960,100 (+5.85%) Land $265,300 Building $694,800	$916,098 (+13.6%)
2025	$10,902.00 (+0.02%)	$907,000 (+5.51%) Land $244,500 Building $662,500	$806,455 (-3.48%)
2024	$10,900.00 (-4.9%)	$859,600 (+3.87%) Land $214,100 Building $645,500	$835,525
2023	$11,462.00	$827,600 Land $194,100 Building $633,500

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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