Worcester County and Lancaster Town property record for 406 Neck Rd, Lancaster, MA 01523 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1959 |
| Square Footage | 2,730 sqft Living Area |
| Lot Size | 20,473 sqft (0.47 acres) |
| Garage | Attached |
| Occupancy | Owner Occupied |
| Tax Bill | $7,172.00 (2025) |
Source: Worcester County and Lancaster Town records · APN LANC M:034.0 B:0000 L:0065.0
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 406 NECK RD, LANCASTER, MA 01523-2272 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 07, 2025 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage LIBERTY REVERSE MORTGAGE INC |
| May 07, 2025 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Nov 24, 2018 | Deed of Trust, Mortgage · Conventional Mortgage QUAD CTY BK&TR |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 406 NECK RD, LANCASTER, MA 01523-2272 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 071955-158 |
|---|---|
| Date | May 07, 2025 |
| Book Page | 71955/158 |
| Instrument | 35949 |
| Name | LIBERTY REVERSE MORTGAGE INC |
|---|---|
| Type | Reverse Mortgage Lender |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 805 Months |
| Due | Jun 01, 2092 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Type Change Date | Jul 01, 2025 |
| Index | Other |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 406 NECK RD, LANCASTER, MA 01523-2272 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 071955-173 |
|---|---|
| Date | May 07, 2025 |
| Book Page | 71955/173 |
| Instrument | 35950 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 805 Months |
| Due | Jun 01, 2092 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Type Change Date | Jul 01, 2025 |
| Index | Other |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 406 NECK RD, LANCASTER, MA 01523-2272 |
| Document Number | 59754-58 |
| Instrument Date | Nov 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 406 NECK RD LANCASTER MA 015232272, LANCASTER, MA 01523-2272 |
| Document Number | 59754-58 |
|---|---|
| Date | Nov 30, 2018 |
| Book Page | 059754/000058 |
| Instrument | 126581 |
| Name | QUAD CTY BK&TR |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 29, 2048 |
Source: Worcester County and Lancaster Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Lancaster Town |
| Unified School District | Nashoba School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,172.00 (-0.24%) | $443,800 (+6.12%) Land $107,900 Building $335,900 | $733,400 (-6.4%) |
| 2024 | $783,560 | ||
| 2023 | $7,189.00 | $418,200 Land $91,300 Building $326,900 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Low above 20% of the US · above 58% of Massachusetts |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | LANC M:034.0 B:0000 L:0065.0 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Building Area | 2,730 sqft Living Area |
| 1st Floor | 1,773 sqft 1st Floor |
| Basement Area | 1,301 sqft Basement |
| Unfinished Basement | 1,301 sqft Unfinished |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Conventional Style |
| Exterior Material | Wood Siding Exterior |
| Construction Type | Brick Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 20,473 sqft (0.47 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Heating System | Hot Water Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Street Address | 406 NECK RD |
|---|---|
| City | LANCASTER |
| State | MA |
| Zip | 01523-2272 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Lot Number | 65.0 |
| Jurisdiction | LANCASTER MA |
| Minor Civil Division | LANCASTER |
| Census Blockgroup | 1 |
| Census Block | 1021 |
| Census Tract | 713100 |
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