40 Elm St, #B, Worcester, MA 01609 Property Records

Worcester County and Worcester City property record for 40 Elm St, #B, Worcester, MA 01609

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,193 sqft · built 1890
Lot Size	0.196 acres (8,552 sqft)
Owner	Company Name on File
Last Sale	$320,000 (Jun 2022)
Tax Bill	$3,601 (2025)
Deeds & Mortgages	Sep 2022 Refinance Apr 2024 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`3-030-040-B`

Property Details

APN / Parcel Number

Primary APN	`3-030-040-B`
Alternative APNs	`WORC M:03 B:030 L:040-B` `M:03 B:030 L:040=B`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Units	5 Units
Building Area	1,193 sqft Living Area

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Other
Exterior Material	Combination
Roof Type	Mansard
Roof Material	Slate
Lot Area	8,552 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	3-030-040-B
Street Address	40 ELM ST, B
City	WORCESTER
State	MA
Zip	01609-2564
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Block	30
Legal Lot Number	40-B
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3001
Census Tract	731700

Owner

Source: Worcester County and Worcester City records, as of October 19, 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	Company Name on File
Mailing Address	16 DEAN ST, SOUTHBRIDGE, MA 01550-2567
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance MICHELLE DEXTER
Apr 23, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance NARENDRA DOSHI
Jun 16, 2022	Quit Claim Deed, Transfer · Commercial Mortgage LOAN FUNDER LLC
Jan 12, 2018	Quit Claim Deed, Transfer Quitclaim
Nov 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage PHILIP L GODUTI
May 25, 2017	Quit Claim Deed, Transfer · Conventional Mortgage BLUEDOG CAP PARTN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2022 · Amount on File
Deed Sale	Jun 16, 2022 · Amount on File
Prior Sale	Jan 12, 2018
Deed Book / Page	67758 / 173
Prior Transfer Date	Jun 15, 2022
Prior Transfer Doc	067758-173
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	40 ELM ST # B, B, WORCESTER, MA 01609-2564
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	068263-326
Date	Sep 26, 2022
Book Page	68263/326
Instrument	105151

Lender

Name	MICHELLE DEXTER

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	40 ELM ST # B, B, WORCESTER, MA 01609-2564
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070424-300
Date	Apr 23, 2024
Book Page	70424/300
Instrument	29348

Lender

Name	NARENDRA DOSHI

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Jun 16, 2022
Property Address	40 ELM ST # B, B, WORCESTER, MA 01609-2564
Document Number	067758-173
Book / Page	67758 / 173
Instrument Date	Jun 15, 2022
Instrument	65559
Transaction Type	Transfer
Record Updated	Jul 1, 2022

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
Address	16 DEAN ST, SOUTHBRIDGE, MA 01550-2567

Mortgage

Document Number	0000065560
Date	Jun 16, 2022
Instrument	65560

Lender

Name	LOAN FUNDER LLC

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Jan 12, 2018
Property Address	40 ELM ST # B, B, WORCESTER, MA 01609-2564
Document Number	58310-330
Book / Page	058310 / 000330
Instrument Date	Jan 9, 2018
Instrument	3696
Transaction Type	Transfer
Record Updated	Jan 30, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	47 HARVARD ST WORCESTER MA 016092840, WORCESTER, MA 01609-2840

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	40 ELM ST # B, B, WORCESTER, MA 01609-2564
Document Number	58076-139
Book / Page	058076 / 000139
Instrument Date	Nov 17, 2017
Transaction Type	Mortgage
Record Updated	Dec 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust

Mortgage

Document Number	58076-139
Date	Nov 21, 2017
Book Page	058076/000139
Instrument	645

Lender

Name	PHILIP L GODUTI

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	May 25, 2017
Property Address	40 ELM ST # B, B, WORCESTER, MA 01609-2564
Document Number	57168-343
Book / Page	057168 / 000343
Instrument Date	May 5, 2017
Instrument	53494
Transaction Type	Transfer
Record Updated	Jun 14, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$775.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	40 ELM ST #B WORCESTER MA 016092564, B, WORCESTER, MA 01609-2564

Mortgage

Document Number	57168-347
Date	May 25, 2017
Book Page	057168/000347
Instrument	53495

Lender

Name	BLUEDOG CAP PARTN

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

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
2025	$3,601.00 (+4.32%)	$273,000 (+13.42%) Building $273,000	$315,590 (+0.61%)
2024			$313,690
2023	$3,452.00	$240,700 Building $240,700

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 174 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20

May also be available: T-Mobile.

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