40 Sandy Ridge Rd, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 40 Sandy Ridge Rd, Sterling, MA 01564

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,759 sqft · built 2003
Lot Size	1.08 acres (47,045 sqft)
Owner	2 Individual Names on Record
Last Sale	$775,000 (Apr 2024)
Tax Bill	$9,037 (2026)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`STER M:00068 L:00015`

Property Details

APN / Parcel Number

Primary APN	`STER M:00068 L:00015`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,759 sqft Living Area
Gross Area	4,909 sqft
Basement Area	1,173 sqft
Unfinished Basement	1,173 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	47,045 sqft (1.08 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	40 SANDY RIDGE RD
City	STERLING
State	MA
Zip	01564-2362
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RRF
Legal Lot Number	15
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	5
Census Block	5019
Census Tract	719100

Owner

Source: Worcester County and Sterling Town 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 Record
Mailing Address	40 SANDY RIDGE RD, STERLING, MA 01564-2362
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FIRST COMMUNITY MORTGAGE
Jul 2, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ENVISION BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2024 · Amount on Record
Deed Sale	Apr 8, 2024 · Amount on Record
Prior Sale	Jul 2, 2021 · Amount on Record
Deed Document Number	202425201
Deed Book / Page	70371 / 326
Record Updated	Oct 29, 2026

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	Apr 8, 2024
Property Address	40 SANDY RIDGE RD, STERLING, MA 01564-2362
Document Number	070371-326
Book / Page	70371 / 326
Instrument Date	Apr 8, 2024
Instrument	25201
Transaction Type	Transfer
Record Updated	Apr 26, 2024

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 SANDY RIDGE RD, STERLING, MA 01564-2362

Mortgage

Document Number	0000025202
Date	Apr 8, 2024
Instrument	25202

Lender

Name	FIRST COMMUNITY MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	Jul 2, 2021
Property Address	40 SANDY RIDGE RD, STERLING, MA 01564-2362
Document Number	065547-281
Book / Page	65547 / 281
Instrument Date	Jul 2, 2021
Instrument	93513
Transaction Type	Transfer
Record Updated	Jan 17, 2022

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 SANDY RIDGE RD, STERLING, MA 01564-2362

Mortgage

Document Number	0000093514
Date	Jul 2, 2021
Instrument	93514

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Worcester County and Sterling Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Sterling Town
Unified School District	Wachusett School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,037.00 (-0.66%)	$720,100 (+1.95%) Land $203,600 Building $516,500	$725,610 (-)
2025	$9,097.00 (-2.81%)	$706,300 (+0.44%) Land $176,200 Building $530,100	$725,610 (+0.73%)
2024	$9,360.00 (+5.62%)	$703,200 (+13.47%) Land $176,200 Building $527,000	$720,385
2023	$8,862.00	$619,700 Land $169,700 Building $450,000

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
Nearby Flood Policies	2 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	STERLING WATER DEPARTMENT serves 6,814 people · EPA ID MA2282000
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	9 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Feb 2024
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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