40 Howland Ter, Worcester, MA 01602 Property Records

Worcester County and Worcester City property record for 40 Howland Ter, Worcester, MA 01602

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,000 sqft · built 1916
Lot Size	0.172 acres (7,475 sqft)
Owner	2 Individual Names on Record
Last Sale	$595,000 (Dec 2025)
Tax Bill	$6,995 (2026)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Sep 2021 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`24-021-00025`

Property Details

APN / Parcel Number

Primary APN	`24-021-00025`
Alternative APN	`WORC M:24 B:021 L:00025`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,000 sqft Living Area
Gross Area	3,991 sqft
1st Floor Area	920 sqft
Attic	Attic
Attic Area	792 sqft
Basement Area	792 sqft
Unfinished Basement	792 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Construction Type	Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,475 sqft (0.172 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	24-021-00025
Street Address	40 HOWLAND TER
City	WORCESTER
State	MA
Zip	01602-2631
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RS-7
Legal Block	21
Legal Lot Number	25
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	1
Census Block	1008
Census Tract	730901

Owner

Source: Worcester County and Worcester City 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 HOWLAND TER, WORCESTER, MA 01602-2631
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2025	Quit Claim Deed, Transfer · Conventional Mortgage LEADER BANK NA
Sep 3, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE
Nov 17, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Feb 8, 2018	Deed of Trust, Mortgage · Conventional with PMI ABSM
Jan 2, 2018	Quit Claim Deed, Transfer Quitclaim
Apr 18, 2017	Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2025 · Amount on Record
Deed Sale	Dec 3, 2025 · Amount on Record
Prior Sale	Sep 3, 2021 · Amount on Record
Deed Document Number	2025105222
Deed Book / Page	72910 / 277
Prior Transfer Date	Dec 2, 2025
Prior Transfer Doc	072910-277
Record Updated	Oct 29, 2026

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Dec 3, 2025
Property Address	40 HOWLAND TER, WORCESTER, MA 01602-2631
Document Number	072910-277
Book / Page	72910 / 277
Instrument Date	Dec 2, 2025
Instrument	105222
Transaction Type	Transfer
Record Updated	Dec 24, 2025

Transaction

Amount	Amount Recorded
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 HOWLAND TER, WORCESTER, MA 01602-2631

Mortgage

Document Number	0000105223
Date	Dec 3, 2025
Instrument	105223

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Sep 3, 2021
Property Address	40 HOWLAND TER, WORCESTER, MA 01602-2631
Document Number	65988-318
Book / Page	65988 / 318
Instrument Date	Sep 3, 2021
Instrument	124490
Transaction Type	Transfer
Record Updated	Sep 17, 2021

Transaction

Amount	Amount Recorded
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	649 LONG JOHN RD, RYE, NH 03870-2212

Mortgage

Document Number	124491
Date	Sep 3, 2021
Instrument	124491

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Nov 17, 2020
Property Address	40 HOWLAND TER, WORCESTER, MA 01602-2631
Document Number	63772-96
Book / Page	063772 / 000096
Instrument Date	Nov 10, 2020
Instrument	140760
Transaction Type	Transfer
Record Updated	Dec 9, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$1,733.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	74 W CENTRAL ST NATICK MA 017604335, NATICK, MA 01760-4335

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	40 HOWLAND TER, WORCESTER, MA 01602-2631
Document Number	58431-380
Instrument Date	Feb 8, 2018
Transaction Type	Mortgage
Record Updated	Mar 7, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58431-380
Date	Feb 13, 2018
Book Page	058431/000380
Instrument	14309

Lender

Name	ABSM

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 12, 2048

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Jan 2, 2018
Property Address	40 HOWLAND TER, WORCESTER, MA 01602-2631
Document Number	58270-250
Book / Page	058270 / 000250
Instrument Date	Dec 29, 2017
Instrument	50
Transaction Type	Transfer
Record Updated	Jan 23, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 HOWLAND TER WORCESTER MA 016022631, WORCESTER, MA 01602-2631

April 2017: Foreclosure

Document Type	Foreclosure
Jurisdiction	WORCESTER MA
Recording Date	Apr 18, 2017
Property Address	40 HOWLAND TER, WORCESTER, MA 01602-2631
Document Number	56986-280
Book / Page	056986 / 000280
Instrument Date	Apr 14, 2017
Instrument	38103
Transaction Type	Foreclosure
Record Updated	May 9, 2017

Transaction

Amount	Amount Recorded
Tax	$1,131.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1661 WORTHINGTON RD #100 WEST PALM BEACH FL 334096493, 100, WEST PALM BEACH, FL 33409-6493

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	$6,995.00 (+14.67%)	$526,700 (+13.88%) Land $123,600 Building $403,100	$577,664
2025	$6,100.00 (+11.42%)	$462,500 (+21.14%) Land $117,700 Building $344,800
2023	$5,475.00	$381,800 Land $102,400 Building $279,400

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 · 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	1 in force

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

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

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

May also be available: T-Mobile.

Nearby Properties on Howland Ter

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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