42 Howard St, Milford, MA 01757 Property Records

Worcester County and Milford Town property record for 42 Howard St, Milford, MA 01757

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,370 sqft · built 2005
Lot Size	1.03 acres (45,080 sqft)
Owner	2 Individual Names on File
Last Sale	$493,800 (Apr 2005)
Tax Bill	$10,620 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Feb 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`MILF M:58 B:086 L:122`

Property Details

APN / Parcel Number

Primary APN	`MILF M:58 B:086 L:122`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,370 sqft Living Area
Gross Area	5,494 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft
Central Vacuum	Central Vacuum

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2008
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	45,080 sqft (1.03 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	42 HOWARD ST
City	MILFORD
State	MA
Zip	01757-3649
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Subdivision	SOUTH CENTRAL ESTATES 02
Legal Block	86
Legal Lot Number	122
Jurisdiction	MILFORD MA
Township / Civil Division	MILFORD
Census Block Group	1
Census Block	1003
Census Tract	744201

Owner

42 Howard St is owned and occupied by two individuals who bought it in April 2005.

Source: Worcester County and Milford Town records, as of April 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	42 HOWARD ST, MILFORD, MA 01757-3649
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 16, 2025	Deed of Trust, Mortgage · Conventional Mortgage TD BANK NA
Feb 25, 2019	Deed of Trust, Mortgage · Line of Credit DIGITAL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2005 · Amount on File
Deed Sale	Apr 8, 2005 · Amount on File
Deed Document Number	200554458
Deed Book / Page	36073 / 156
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILFORD MA
Property Address	42 HOWARD ST, MILFORD, MA 01757-3649
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072971-126
Date	Dec 16, 2025
Book Page	72971/126
Instrument	109641

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Type Change Date	Jan 1, 2033
Index	Other
Margin	3

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILFORD MA
Property Address	42 HOWARD ST, MILFORD, MA 01757-3649
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60077-374
Date	Feb 25, 2019
Book Page	60077/374
Instrument	16471

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Mar 1, 2059

Tax Assessment & Valuation

The 2025 property tax bill for 42 Howard St was $10,620, up 0.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,620.00 (+0.85%)	$829,700 (+4.71%) Land $218,100 Building $611,600	$770,735
2024	$10,531.00 (+6.44%)	$792,400 (+15.73%) Land $209,400 Building $583,000
2023	$9,894.00	$684,700 Land $174,500 Building $510,200

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

Flood

FEMA maps place 42 Howard St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 42 Howard St is low, with a 0.01% 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	0.01% 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	MILFORD WATER DEPARTMENT serves 30,379 people · EPA ID MA2185000
Water Source	Surface water
Last State Inspection	May 2025
Lead	1 ppb (2026) 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 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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