40 Elm St, Unit 3, Worcester, MA 01609 Property Records

Worcester County and Worcester City property record for 40 Elm St, Unit 3, Worcester, MA 01609

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 1,070 sqft · built 1890
Lot Size	0.196 acres (8,552 sqft)
Owner	2 Individual Names on File
Last Sale	$251,500 (Nov 2021)
Tax Bill	$3,510 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-030-040-3`

Property Details

APN / Parcel Number

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

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	3 Stories
Building Area	1,070 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	3-030-040-3
Street Address	40 ELM ST, 3
City	WORCESTER
State	MA
Zip	01609-2564
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Block	30
Legal Lot Number	40-3
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	2 Individual Names on File
Mailing Address	40 ELM ST, 3, WORCESTER, MA 01609-2564
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC
Sep 30, 2020	Condominium Deed, Transfer HOMEFIELD CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2021 · Amount on File
Deed Sale	Nov 9, 2021 · Amount on File
Prior Sale	Aug 23, 2005 · Amount on File
Deed Book / Page	66489 / 295
Record Updated	Oct 29, 2026

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Nov 9, 2021
Property Address	40 ELM ST UNIT 3, 3, WORCESTER, MA 01609-2564
Document Number	66489-295
Book / Page	66489 / 295
Instrument Date	Nov 9, 2021
Instrument	157387
Transaction Type	Transfer
Record Updated	Nov 25, 2021

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
Relationship	Joint Venture
Address	40 ELM ST UNIT 3, 3, WORCESTER, MA 01609-2564

Mortgage

Document Number	157388
Date	Nov 9, 2021
Instrument	157388

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

September 2020: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	WORCESTER MA
Recording Date	Sep 30, 2020
Property Address	40 ELM ST UNIT 3, 3, WORCESTER, MA 01609-2564
Document Number	63382-135
Book / Page	063382 / 000135
Instrument Date	Sep 29, 2020
Instrument	114465
Transaction Type	Transfer
Record Updated	Oct 20, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 ELM ST #3 WORCESTER MA 016092564, 3, WORCESTER, MA 01609-2564

Mortgage

Document Number	63382-138
Date	Sep 30, 2020
Book Page	063382/000138
Instrument	114466

Lender

Name	HOMEFIELD CU

Agreement

Amount	Amount on Record
Term	180 Months
Due	Sep 29, 2035

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	$3,510.00 (+6.07%)	$264,300 (+5.34%) Building $264,300	$265,708 (-8.03%)
2025	$3,309.00 (+4.62%)	$250,900 (+13.74%) Building $250,900	$288,895 (+1.3%)
2024			$285,190
2023	$3,163.00	$220,600 Building $220,600

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.

Nearby Properties on Elm St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures