40 Otsego Rd, Worcester, MA 01609 Property Records

Worcester County and Worcester City property record for 40 Otsego Rd, Worcester, MA 01609

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,648 sqft · built 1937
Lot Size	0.238 acres (10,357 sqft)
Owner	Individual Name on Record
Last Sale	$592,500 (Jul 2020)
Tax Bill	$8,283 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jul 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21-015-0014A`

Property Details

APN / Parcel Number

Primary APN	`21-015-0014A`
Alternative APN	`WORC M:21 B:015 L:0014A`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,648 sqft Living Area
Gross Area	5,312 sqft
1st Floor Area	1,470 sqft
Attic	Attic
Attic Area	730 sqft
Basement Area	676 sqft
Unfinished Basement	676 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,357 sqft (0.238 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	21-015-0014A
Street Address	40 OTSEGO RD
City	WORCESTER
State	MA
Zip	01609-1738
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-10
Legal Block	15
Legal Lot Number	14A
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3008
Census Tract	730600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	40 OTSEGO RD, WORCESTER, MA 01609-1738
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2020	Deed of Trust, Mortgage · Balloon Mortgage SALEM FIVE CENTS SAVINGS BANK
Jul 28, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NORTHERN BANK & TRUST CO
Mar 28, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Apr 14, 2017	Quit Claim Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2020 · Amount on Record
Deed Sale	Jul 28, 2020 · Amount on Record
Prior Sale	Apr 14, 2017 · Amount on Record
Deed Book / Page	62896 / 227
Prior Transfer Date	Feb 28, 2019
Prior Transfer Doc	60206-100
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	40 OTSEGO RD, WORCESTER, MA 01609-1738
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62190-368
Date	Apr 10, 2020
Book Page	62190/368
Instrument	36441

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Jul 28, 2020
Property Address	40 OTSEGO RD, WORCESTER, MA 01609-1738
Document Number	62896-227
Book / Page	62896 / 227
Instrument Date	Jul 24, 2020
Instrument	82173
Transaction Type	Transfer
Record Updated	May 12, 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	40 OTSEGO RD, WORCESTER, MA 01609-1738

Mortgage

Document Number	82174
Date	Jul 28, 2020
Instrument	82174

Lender

Name	NORTHERN BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Mar 28, 2019
Property Address	40 OTSEGO RD, WORCESTER, MA 01609-1738
Document Number	60206-100
Book / Page	060206 / 000100
Instrument Date	Feb 28, 2019
Instrument	27221
Transaction Type	Transfer
Record Updated	Apr 16, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	40 OTSEGO RD WORCESTER MA 016091738, WORCESTER, MA 01609-1738

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Apr 14, 2017
Property Address	40 OTSEGO RD, WORCESTER, MA 01609-1738
Document Number	56982-61
Book / Page	056982 / 000061
Instrument Date	Apr 11, 2017
Instrument	37761
Transaction Type	Transfer
Record Updated	May 2, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,732.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 OTSEGO RD WORCESTER MA 016091738, WORCESTER, MA 01609-1738

Mortgage

Document Number	56982-63
Date	Apr 14, 2017
Book Page	056982/000063
Instrument	37762

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 13, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.88%

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
2025	$8,283.00 (+6.44%)	$628,000 (+15.72%) Land $123,500 Building $504,500	$741,570 (+0.98%)
2024			$734,350
2023	$7,782.00	$542,700 Land $106,300 Building $436,400

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	Low lower than 94% of the US · lower than 88% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Netafy.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Otsego Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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