416 Sterling Rd, Jefferson, MA 01522 Property Records

Worcester County and Holden Town property record for 416 Sterling Rd, Jefferson, MA 01522

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,916 sqft · built 1981
Lot Size	3.11 acres (135,832 sqft)
Owner	Individual Name on File
Last Sale	$620,000 (Dec 2024)
Tax Bill	$7,918 (2026)
Deeds & Mortgages	Jul 2022 Refinance Dec 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`HOLD M:7 B:10`

Property Details

APN / Parcel Number

Primary APN	`HOLD M:7 B:10`
Alternative APNs	`M:00007 P:00010` `37`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,916 sqft Living Area
Gross Area	4,192 sqft
1st Floor Area	1,256 sqft
Basement Area	636 sqft
Unfinished Basement	162 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	135,832 sqft (3.11 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	37
Street Address	416 STERLING RD
City	JEFFERSON
State	MA
Zip	01522-1304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Block	10
Jurisdiction	HOLDEN MA
Township / Civil Division	HOLDEN
Census Block Group	3
Census Block	3000
Census Tract	728400

Owner

416 Sterling Rd is owned and occupied by an individual who bought it in December 2024.

Source: Worcester County and Holden Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	416 STERLING RD, JEFFERSON, MA 01522-1304
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FIGURE LENDING LCC
Dec 15, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Mar 7, 2022	Quit Claim Deed, Transfer · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Nov 15, 2019	Quit Claim Deed, Transfer · Conventional with PMI QUICKEN LNS
May 9, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Apr 5, 2019	Deed of Trust, Mortgage · Conventional with PMI EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2024 · Amount on File
Deed Sale	Dec 16, 2024 · Amount on File
Prior Sale	Dec 15, 2022 · Amount on File
Deed Book / Page	71423 / 201
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	416 STERLING RD, JEFFERSON, MA 01522-1304
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067963-250
Date	Jul 26, 2022
Book Page	67963/250
Instrument	81468

Lender

Name	FIGURE LENDING LCC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLDEN MA
Recording Date	Dec 15, 2022
Property Address	416 STERLING RD, JEFFERSON, MA 01522-1304
Document Number	068607-304
Book / Page	68607 / 304
Instrument Date	Dec 15, 2022
Instrument	132218
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
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	416 STERLING RD, HOLDEN, MA 01520

Mortgage

Document Number	0000132219
Date	Dec 15, 2022
Instrument	132219

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLDEN MA
Recording Date	Mar 7, 2022
Property Address	416 STERLING RD, JEFFERSON, MA 01522-1304
Document Number	067223-261
Book / Page	67223 / 261
Instrument Date	Mar 1, 2022
Instrument	25725
Transaction Type	Transfer
Record Updated	Jul 24, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 STERLING RD, HOLDEN, MA 01520

Mortgage

Document Number	0000025726
Date	Mar 7, 2022
Instrument	25726

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLDEN MA
Recording Date	Nov 15, 2019
Property Address	416 STERLING RD, JEFFERSON, MA 01522-1304
Document Number	61428-296
Book / Page	061428 / 000296
Instrument Date	Nov 14, 2019
Instrument	123196
Transaction Type	Transfer
Record Updated	Dec 5, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,777.94
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 STERLING RD JEFFERSON MA 015221304, JEFFERSON, MA 01522-1304

Mortgage

Document Number	61428-299
Date	Nov 15, 2019
Book Page	061428/000299
Instrument	123197

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 14, 2049

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLDEN MA
Recording Date	May 9, 2019
Property Address	416 STERLING RD, JEFFERSON, MA 01522-1304
Document Number	60382-253
Book / Page	060382 / 000253
Instrument Date	Apr 25, 2019
Instrument	41489
Transaction Type	Transfer
Record Updated	May 28, 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
Address	416 STERLING RD JEFFERSON MA 015221304, JEFFERSON, MA 01522-1304

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	416 STERLING RD, JEFFERSON, MA 01522-1304
Document Number	60261-319
Instrument Date	Apr 5, 2019
Transaction Type	Mortgage
Record Updated	Apr 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 STERLING RD JEFFERSON MA 015221304, JEFFERSON, MA 01522-1304

Mortgage

Document Number	60261-319
Date	Apr 12, 2019
Book Page	060261/000319
Instrument	31767

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 11, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 416 Sterling Rd was $7,918, up 10,183.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,918.00 (+10,183.12%)	$587,400 (+5.23%) Land $205,700 Building $381,700	$610,061 (+6.76%)
2025	$77.00 (-98.93%)	$558,200 (+9.88%) Land $195,800 Building $362,400	$571,425
2024	$7,188.00 (-0.68%)	$508,000 (+5.22%) Land $190,600 Building $317,400
2023	$7,237.00	$482,800 Land $165,400 Building $317,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 416 Sterling Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

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	1 in force
Nearby Flood Claims	2 (1979–1984)
Most Recent Claim	Apr 1984 · tidal / storm surge

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

Wildfire risk around 416 Sterling Rd is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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