Worcester County and Worcester City property record for 40 Ludlow St, #42, Worcester, MA 01603
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 2,394 sqft · built 1986 |
| Lot Size | 0.228 acres (9,939 sqft) |
| Owner | Company Name on File |
| Last Sale | $605,000 (Dec 2025) |
| Tax Bill | $7,349 (2025) |
| Deeds & Mortgages | Feb 2026 Transfer Dec 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-015-00010 |
| Primary APN | 15-015-00010 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,394 sqft Living Area |
| Gross Area | 3,810 sqft |
| 1st Floor Area | 1,176 sqft |
| Basement Area | 616 sqft |
| Unfinished Basement | 616 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Duplex Single |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,939 sqft (0.228 acres) |
| Garage Type | Basement |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 15-015-00010 |
|---|---|
| Street Address | 40 LUDLOW ST, 42 |
| City | WORCESTER |
| State | MA |
| Zip | 01603-1124 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | RL-7 |
| Legal Block | 15 |
| Legal Lot Number | 10 |
| Jurisdiction | WORCESTER MA |
| Township / Civil Division | WORCESTER |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 733102 |
Source: Worcester County and Worcester City records · APN 15-015-00010
Assessment roll updated April 14, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 16 ELLIE WAY, WORCESTER, MA 01610-3065 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Feb 04, 2026 | Quit Claim Deed, Transfer Quitclaim |
| Dec 29, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage NORTHPOINT MORTGAGE INC |
| Jan 27, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage CENTRAL ONE FEDERAL CREDIT UNION |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 29, 2025 · Amount on Record |
| Deed Sale | Dec 29, 2025 · Amount on Record |
| Prior Sale | Jan 27, 2023 · Amount on Record |
| Deed Book / Page | 73021 / 317 |
| Last Transfer Date | Feb 03, 2026 |
| Transfer Doc | 073161-169 |
| Record Updated | Jun 08, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WORCESTER MA |
| Recording Date | Feb 04, 2026 |
| Property Address | 40 LUDLOW ST # 42, 42, WORCESTER, MA 01603-1124 |
| Document Number | 073161-169 |
| Book / Page | 73161 / 169 |
| Instrument Date | Feb 03, 2026 |
| Instrument | 8911 |
| Transaction Type | Transfer |
| Record Updated | Feb 25, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16 ELLIE WAY, WORCESTER, MA 01610-3065 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WORCESTER MA |
| Recording Date | Dec 29, 2025 |
| Property Address | 40 LUDLOW ST # 42, 42, WORCESTER, MA 01603-1124 |
| Document Number | 073021-317 |
| Book / Page | 73021 / 317 |
| Instrument Date | Dec 29, 2025 |
| Instrument | 113142 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 16 ELLIE WAY, WORCESTER, MA 01610-3065 |
| Document Number | 0000113143 |
|---|---|
| Date | Dec 29, 2025 |
| Instrument | 113143 |
| Name | NORTHPOINT MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 109 Months |
| Due | Jan 01, 2035 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WORCESTER MA |
| Recording Date | Jan 27, 2023 |
| Property Address | 40 LUDLOW ST, WORCESTER, MA 01603-1124 |
| Document Number | 068771-276 |
| Book / Page | 68771 / 276 |
| Instrument Date | Jan 27, 2023 |
| Instrument | 8428 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7104 TIMBERVIEW WAY, MARLBOROUGH, MA 01752-2563 |
| Document Number | 0000008429 |
|---|---|
| Date | Jan 27, 2023 |
| Instrument | 8429 |
| Name | CENTRAL ONE FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.49% |
| Type Change Date | Feb 01, 2033 |
| Max Rate At Change | 2.38% |
| Index | 5-Year CMT |
Source: Worcester County and Worcester City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Worcester City |
| Unified School District | Worcester School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $7,349.00 (+103.46%) | $557,200 (+121.2%) Land $98,500 Building $458,700 |
| 2023 | $3,612.00 | $251,900 Land $66,600 Building $185,300 |
Source: FEMA National Flood Hazard Layer as of November 30, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 59 units insured incl. 53 condo units |
| Nearby Flood Claims | 7 (1978–2024) |
| Claims Outside the SFHA | 1 of 7 |
| Most Recent Claim | Mar 2024 · other causes |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 296 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WORCESTER DPWP, WATER SUPPLY DIVISION serves 206,518 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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