40 Francis St, Worcester, MA 01606 Property Records

Worcester County and Worcester City property record for 40 Francis St, Worcester, MA 01606

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,700 sqft · built 1989
Lot Size	0.203 acres (8,882 sqft)
Owner	2 Individual Names on File
Last Sale	$370,000 (Dec 2025)
Tax Bill	$4,231 (2026)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-017-01-40`

Property Details

APN / Parcel Number

Primary APN	`12-017-01-40`
Alternative APNs	`WORC M:12 B:017 L:01-40` `M:12 B:017 L:01=40`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	1,700 sqft Living Area
Gross Area	2,038 sqft
1st Floor Area	364 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,882 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Electric

Location & Zoning

Account Number	12-017-01-40
Street Address	40 FRANCIS ST
City	WORCESTER
State	MA
Zip	01606-3120
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Subdivision	PREPARED ERIC M & ELAINE V OLS
Legal Block	17
Legal Lot Number	1-40
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	2
Census Block	2025
Census Tract	730300

Owner

40 Francis St, a condominium, is owned by two individuals who bought it in December 2025.

Source: Worcester County and Worcester City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	40 FRANCIS ST, 40, WORCESTER, MA 01606-3120
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2025	Quit Claim Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING
Apr 1, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2025 · Amount on File
Deed Sale	Dec 30, 2025 · Amount on File
Prior Sale	Apr 1, 2021 · Amount on File
Deed Document Number	2025113409
Deed Book / Page	73025 / 221
Prior Transfer Date	Dec 29, 2025
Prior Transfer Doc	073025-221
Record Updated	Oct 29, 2026

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Dec 30, 2025
Property Address	40 FRANCIS ST, WORCESTER, MA 01606-3120
Document Number	073025-221
Book / Page	73025 / 221
Instrument Date	Dec 29, 2025
Instrument	113409
Transaction Type	Transfer
Record Updated	Apr 14, 2026

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 Tenants
Address	40 FRANCIS ST # 40, 40, WORCESTER, MA 01606-3120

Mortgage

Document Number	0000113410
Date	Dec 30, 2025
Instrument	113410

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2055

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Apr 1, 2021
Property Address	40 FRANCIS ST, WORCESTER, MA 01606-3120
Document Number	64838-343
Book / Page	64838 / 343
Instrument Date	Apr 1, 2021
Instrument	45238
Transaction Type	Transfer
Record Updated	May 12, 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	Tenants by the Entirety
Address	40 FRANCIS ST, WORCESTER, MA 01606-3120

Mortgage

Document Number	45239
Date	Apr 1, 2021
Instrument	45239

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 40 Francis St was $4,231, up 2.9% from the year before.

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	$4,231.00 (+2.94%)	$318,600 (+2.25%) Building $318,600	$356,909 (-5.15%)
2025	$4,110.00	$311,600 Building $311,600	$376,295 (+3.66%)
2024			$362,995
2023	$3,819.00	$266,300 Building $266,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 40 Francis St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2008.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2008–2020)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2020 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 40 Francis St has no burnable land within ember reach, so its wildfire risk is not rated.

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 735 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	300 / 20

May also be available: Netafy, T-Mobile.

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