40 Elm St, Unit 2, Worcester, MA 01609 Property Records

Worcester County and Worcester City property record for 40 Elm St, Unit 2, Worcester, MA 01609

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 1,128 sqft · built 1890
Lot Size	0.196 acres (8,552 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (May 2026)
Tax Bill	$3,639 (2026)
Deeds & Mortgages	May 2026 Sale Mar 2022 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3-030-040-2`

Property Details

APN / Parcel Number

Primary APN	`3-030-040-2`
Alternative APNs	`WORC M:03 B:030 L:040-2` `M:03 B:030 L:040=2`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,128 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	3-030-040-2
Street Address	40 ELM ST, 2
City	WORCESTER
State	MA
Zip	01609-2564
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Subdivision	BROWNSTONE CONDO
Legal Block	30
Legal Lot Number	40-2
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 20, 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	Individual Name on File
Mailing Address	40 ELM ST, 2, WORCESTER, MA 01609-2564
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
May 29, 2026	Condominium Deed, Transfer
Mar 25, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance UNIBANK FOR SAVINGS
Oct 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance UNIBANK FOR SAVINGS
Nov 13, 2023	Quit Claim Deed, Transfer
Oct 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance UNIBANK FOR SAVINGS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2026 · Amount on File
Deed Sale	May 29, 2026 · Amount on File
Prior Sale	Nov 13, 2023 · Amount on File
Deed Document Number	202643146
Deed Book / Page	73647 / 376
Prior Transfer Date	Nov 6, 2023
Prior Transfer Doc	0069873-56
Record Updated	Oct 29, 2026

May 2026: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	WORCESTER MA
Recording Date	May 29, 2026
Property Address	40 ELM ST, 2, WORCESTER, MA 01609-2564
Document Number	073647-376
Book / Page	73647 / 376
Instrument Date	May 26, 2026
Instrument	202643146
Transaction Type	Transfer
Record Updated	Jun 16, 2026

Transaction

Amount	Amount 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 ELM ST, 2, WORCESTER, MA 01609-2564

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	40 ELM ST UNIT 2, 2, 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	067325-344
Date	Mar 25, 2022
Book Page	67325/344
Instrument	33305

Lender

Name	UNIBANK FOR SAVINGS
Type	Bank

Agreement

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

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	40 ELM ST UNIT 2, 2, 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	066287-141
Date	Oct 13, 2021
Book Page	66287/141
Instrument	143933

Lender

Name	UNIBANK FOR SAVINGS
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Nov 13, 2023
Property Address	40 ELM ST UNIT 2, 2, WORCESTER, MA 01609-2564
Document Number	0069873-56
Book / Page	69873 / 56
Instrument Date	Nov 6, 2023
Instrument	94752
Transaction Type	Transfer
Record Updated	Dec 8, 2023

Transaction

Amount	Amount 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	1530 BEACON ST # UT907, UT907, BROOKLINE, MA 02446-2630

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	40 ELM ST UNIT 2, 2, WORCESTER, MA 01609-2564
Transaction Type	Mortgage
Record Updated	Oct 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66287-141
Date	Oct 13, 2021
Book Page	66287/141
Instrument	143933

Lender

Name	UNIBANK FOR SAVINGS
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

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	$3,639.00 (+6.06%)	$274,000 (+5.34%) Building $274,000	$291,102 (-5.19%)
2025	$3,431.00 (+4.67%)	$260,100 (+13.78%) Building $260,100	$307,040 (+11.76%)
2024			$274,740
2023	$3,278.00	$228,600 Building $228,600

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

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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