Worcester County and Southbridge Town City property record for 409 Worcester St, Southbridge, MA 01550
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 2,048 sqft · built 1925 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $400,000 (Sep 2026) |
| Tax Bill | $4,073 (2025) |
| Deeds & Mortgages | Sep 2026 Second Mortgage Sep 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SBRI M:0015 B:0017 L:00001 |
| Primary APN | SBRI M:0015 B:0017 L:00001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,048 sqft Living Area |
| Gross Area | 3,460 sqft |
| 1st Floor Area | 1,024 sqft |
| Basement Area | 1,024 sqft |
| Unfinished Basement | 1,024 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,761 sqft (0.27 acres) |
| Heating System | Heat Pump |
|---|---|
| Heating Fuel | Gas |
| Account Number | 317 |
|---|---|
| Street Address | 409 WORCESTER ST |
| City | SOUTHBRIDGE |
| State | MA |
| Zip | 01550-1380 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R2 |
| Legal Block | 17 |
| Legal Lot Number | 1 |
| Jurisdiction | SOUTHBRIDGE MA |
| Township / Civil Division | SOUTHBRIDGE TOWN |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 757100 |
Source: Worcester County and Southbridge Town 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 | Individual Name on Record |
|---|---|
| Mailing Address | 45 UPLAND GARDENS DR, WORCESTER, MA 01607-1649 |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Sep 8, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage TOTAL MORTGAGE SERVICES |
| Sep 8, 2026 | Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES |
| Jan 14, 2022 | Quit Claim Deed, Transfer · FHA Mortgage US BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 8, 2026 · Amount on Record |
| Deed Sale | Sep 8, 2026 · Amount on Record |
| Prior Sale | Jan 14, 2022 · Amount on Record |
| Deed Document Number | 202678369 |
| Deed Book / Page | 74138 / 335 |
| Prior Transfer Date | Aug 27, 2026 |
| Prior Transfer Doc | 0000078369 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SOUTHBRIDGE MA |
| Recording Date | Sep 8, 2026 |
| Property Address | 409 WORCESTER ST, SOUTHBRIDGE, MA 01550-1380 |
| Document Number | 0000078371 |
| Book / Page | 74138 / 357 |
| Instrument Date | Sep 4, 2026 |
| Instrument | 202678371 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2026 |
| Name | Verified Name |
|---|---|
| Address | 409 WORCESTER ST, SOUTHBRIDGE, MA 01550-1380 |
| Document Number | 0000078371, |
|---|---|
| Date | Sep 8, 2026 |
| Book Page | 74138/357 |
| Instrument | 202678371 |
| Name | TOTAL MORTGAGE SERVICES |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 1, 2041 |
| Max Rate | -1% |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SOUTHBRIDGE MA |
| Recording Date | Sep 8, 2026 |
| Property Address | 409 WORCESTER ST, SOUTHBRIDGE, MA 01550-1380 |
| Document Number | 0000078369 |
| Book / Page | 74138 / 335 |
| Instrument Date | Aug 27, 2026 |
| Instrument | 202678369 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Date | Sep 8, 2026 |
|---|
| Name | TOTAL MORTGAGE SERVICES |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Max Rate | -1% |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SOUTHBRIDGE MA |
| Recording Date | Jan 14, 2022 |
| Property Address | 409 WORCESTER ST, SOUTHBRIDGE, MA 01550-1380 |
| Document Number | 066952-135 |
| Book / Page | 66952 / 135 |
| Instrument Date | Jan 14, 2022 |
| Instrument | 6015 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 409 WORCESTER ST, SOUTHBRIDGE, MA 01550-1380 |
| Document Number | 0000006016 |
|---|---|
| Date | Jan 14, 2022 |
| Instrument | 6016 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Worcester County and Southbridge Town City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Southbridge Town City |
| Unified School District | Southbridge School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,073.00 (+9.02%) | $277,800 (+13.48%) Land $29,500 Building $248,300 | $399,293 |
| 2024 | $3,736.00 (+7.05%) | $244,800 (+11.12%) Land $14,700 Building $230,100 | |
| 2023 | $3,490.00 | $220,300 Land $14,700 Building $205,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025
| 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 |
Values are read at the parcel center point; lenders make the official flood determination.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SOUTHBRIDGE WATER DEPARTMENT serves 19,562 people · EPA ID MA2278000 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2024 |
| Lead | 3 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 120 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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