40 Colby Ave, Worcester, MA 01605 Property Records

Worcester County and Worcester City property record for 40 Colby Ave, Worcester, MA 01605

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,080 sqft · built 1945
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (May 2026)
Tax Bill	$4,713 (2026)
Deeds & Mortgages	Jan 2026 Line of Credit Jun 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`39-015-00470`

Property Details

APN / Parcel Number

Primary APN	`39-015-00470`
Alternative APN	`WORC M:39 B:015 L:00470`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,080 sqft Living Area
Gross Area	2,484 sqft
1st Floor Area	720 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,500 sqft (0.172 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	39-015-00470
Street Address	40 COLBY AVE
City	WORCESTER
State	MA
Zip	01605-2224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Block	15
Legal Lot Number	470
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3007
Census Tract	732002

Owner

Source: Worcester County and Worcester City 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 COLBY AVE, WORCESTER, MA 01605-2224
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2026	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Jun 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
May 21, 2026	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE, INC
Jun 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Apr 3, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2026 · Amount on Record
Deed Sale	May 21, 2026 · Amount on Record
Prior Sale	Nov 26, 1997 · Amount on Record
Deed Document Number	2026125971
Prior Transfer Date	Apr 24, 2026
Prior Transfer Doc	0000125971
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	40 COLBY AVE, WORCESTER, MA 01605-2224
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000125459
Date	Jan 7, 2026
Instrument	125459

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	40 COLBY AVE, WORCESTER, MA 01605-2224
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000118244
Date	Jun 29, 2021
Instrument	118244

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

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

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	May 21, 2026
Property Address	40 COLBY AVE, WORCESTER, MA 01605-2224
Document Number	0000125971
Instrument Date	Apr 24, 2026
Instrument	2026125971
Transaction Type	Transfer
Record Updated	Jun 9, 2026

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 COLBY AVE, WORCESTER, MA 01605-2224

Mortgage

Date	May 21, 2026

Lender

Name	GUARANTEED RATE, INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.37%
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	40 COLBY AVE, WORCESTER, MA 01605-2224
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	118244
Date	Jun 29, 2021
Instrument	118244

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

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

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	40 COLBY AVE, WORCESTER, MA 01605-2224
Document Number	0000115837
Instrument Date	Apr 3, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40 COLBY AVE WORCESTER MA 016052224, WORCESTER, MA 01605-2224

Mortgage

Document Number	0000115837
Date	May 11, 2020
Instrument	115837

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 10, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Worcester City
Unified School District	Worcester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,713.00 (+2.39%)	$354,900 (+1.69%) Land $123,600 Building $231,300	$395,530 (+14.73%)
2025	$4,603.00 (+6.45%)	$349,000 (+15.75%) Land $117,700 Building $231,300	$344,755 (-6.81%)
2024			$369,930
2023	$4,324.00	$301,500 Land $102,400 Building $199,100

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	WORCESTER DPWP, WATER SUPPLY DIVISION serves 206,518 people · EPA ID MA2348000
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	2 ppb (2022–2024) 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 238 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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