Worcester County and Holden Town property record for 40 Cutler Rd, Jefferson, MA 01522
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 896 sqft · built 1930 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $102,000 (Nov 2013) |
| Tax Bill | $4,574 (2026) |
| Deeds & Mortgages | Oct 2021 Refinance Sep 2021 Refinance + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | HOLD M:83 B:4 |
| Primary APN | HOLD M:83 B:4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 896 sqft Living Area |
| Gross Area | 2,173 sqft |
| 1st Floor Area | 896 sqft |
| Basement Area | 896 sqft |
| Unfinished Basement | 896 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Rolled Roofing |
| Lot Area | 15,682 sqft (0.36 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 669 |
|---|---|
| Street Address | 40 CUTLER RD |
| City | JEFFERSON |
| State | MA |
| Zip | 01522-1159 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-20 |
| Legal Block | 4 |
| Jurisdiction | HOLDEN MA |
| Township / Civil Division | HOLDEN |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 728400 |
Source: Worcester County and Holden 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 CUTLER RD, JEFFERSON, MA 01522-1159 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Oct 12, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Sep 30, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Oct 12, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Sep 30, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Feb 26, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Jan 26, 2017 | Quit Claim Deed, Transfer PEOPLES BK (KANSAS) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 21, 2013 · Amount on Record |
| Deed Sale | Nov 21, 2013 · Amount on Record |
| Deed Book / Page | 51771 / 359 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOLDEN MA |
| Property Address | 40 CUTLER RD, JEFFERSON, MA 01522-1159 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 066265-330 |
|---|---|
| Date | Oct 12, 2021 |
| Book Page | 66265/330 |
| Instrument | 142636 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOLDEN MA |
| Property Address | 40 CUTLER RD, JEFFERSON, MA 01522-1159 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 066182-284 |
|---|---|
| Date | Sep 30, 2021 |
| Book Page | 66182/284 |
| Instrument | 137022 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOLDEN MA |
| Property Address | 40 CUTLER RD, JEFFERSON, MA 01522-1159 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 66265-330 |
|---|---|
| Date | Oct 12, 2021 |
| Book Page | 66265/330 |
| Instrument | 142636 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOLDEN MA |
| Property Address | 40 CUTLER RD, JEFFERSON, MA 01522-1159 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 66182-284 |
|---|---|
| Date | Sep 30, 2021 |
| Book Page | 66182/284 |
| Instrument | 137022 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOLDEN MA |
| Property Address | 40 CUTLER RD, JEFFERSON, MA 01522-1159 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 61949-192 |
|---|---|
| Date | Feb 26, 2020 |
| Book Page | 61949/192 |
| Instrument | 20028 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HOLDEN MA |
| Recording Date | Jan 26, 2017 |
| Property Address | 40 CUTLER RD, JEFFERSON, MA 01522-1159 |
| Document Number | 56664-331 |
| Book / Page | 56664 / 331 |
| Instrument | 9582 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $26.22 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 56664-334 |
|---|---|
| Date | Jan 26, 2017 |
| Book Page | 56664/334 |
| Instrument | 9583 |
| Name | PEOPLES BK (KANSAS) |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jan 1, 2032 |
Source: Worcester County and Holden Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Holden Town |
| Unified School District | Wachusett School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,574.00 (+3.98%) | $339,300 (+6.9%) Land $125,900 Building $213,400 | $338,106 (+2.74%) |
| 2025 | $4,399.00 (+10.58%) | $317,400 (+12.91%) Land $120,000 Building $197,400 | $329,080 |
| 2024 | $3,978.00 (+3.59%) | $281,100 (+9.72%) Land $116,400 Building $164,700 | |
| 2023 | $3,840.00 | $256,200 Land $101,200 Building $155,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025
| 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 |
Values are read at the parcel center point; lenders make the official flood determination.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HOLDEN WATER DIVISION, DPW serves 18,016 people · EPA ID MA2134000 |
|---|---|
| Water Source | Purchased surface water from WORCESTER DPWP, WATER SUPPLY DIVISION |
| Last State Inspection | Nov 2024 |
| Lead | 3 ppb (2023–2025) 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 55 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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