428 Mill St, Worcester, MA 01602 Property Records

Worcester County and Worcester City property record for 428 Mill St, Worcester, MA 01602 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,728 sqft · built 1940
Lot Size	0.314 acres (13,695 sqft)
Owner	2 Individual Names on File
Last Sale	$432,000 (Feb 2023)
Tax Bill	$5,603 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`48-021-00023`

Property Details

APN / Parcel Number

Primary APN	`48-021-00023`
Alternative APN	`WORC M:48 B:021 L:00023`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,728 sqft Living Area
Gross Area	3,856 sqft
1st Floor Area	1,184 sqft
Basement Area	1,220 sqft
Unfinished Basement	1,220 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,695 sqft (0.314 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam

Location & Zoning

Account Number	48-021-00023
Street Address	428 MILL ST
City	WORCESTER
State	MA
Zip	01602-2443
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	21
Legal Lot Number	23
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	2
Census Block	2007
Census Tract	730902

Owner

Source: Worcester County and Worcester City records · APN 48-021-00023

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	428 MILL ST, WORCESTER, MA 01602-2443
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC
Jun 26, 2020	Deed of Trust, Mortgage · Conventional with PMI NORWICH COM'L
Jun 05, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
May 02, 2018	Quit Claim Deed, Transfer · Conventional with PMI UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 17, 2023 · Amount on Record
Deed Sale	Feb 17, 2023 · Amount on Record
Prior Sale	May 02, 2018 · Amount on Record
Prior Transfer Date	Jun 04, 2019
Prior Transfer Doc	0000114277
Record Updated	Sep 20, 2026

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Feb 17, 2023
Property Address	428 MILL ST, WORCESTER, MA 01602-2443
Document Number	0000121496
Instrument Date	Feb 17, 2023
Instrument	121496
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	Joint Venture
Address	428 MILL ST, WORCESTER, MA 01602-2443

Mortgage

Document Number	0000121497
Date	Feb 17, 2023
Instrument	121497

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	428 MILL ST, WORCESTER, MA 01602-2443
Document Number	0000116122
Instrument Date	Jun 26, 2020
Transaction Type	Mortgage
Record Updated	Nov 09, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 MILL ST WORCESTER MA 016022443, WORCESTER, MA 01602-2443

Mortgage

Document Number	0000116122
Date	Jul 03, 2020
Instrument	116122

Lender

Name	NORWICH COM'L

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 02, 2050

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Jun 05, 2019
Property Address	428 MILL ST, WORCESTER, MA 01602-2443
Document Number	0000114277
Instrument Date	Jun 04, 2019
Instrument	114277
Transaction Type	Transfer
Record Updated	Jun 25, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 MILL ST WORCESTER MA 016022443, WORCESTER, MA 01602-2443

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	May 02, 2018
Property Address	428 MILL ST, WORCESTER, MA 01602-2443
Document Number	0000112312
Instrument Date	May 02, 2018
Instrument	112312
Transaction Type	Transfer
Record Updated	Aug 08, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,264.03
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 MILL ST WORCESTER MA 016022443, WORCESTER, MA 01602-2443

Mortgage

Document Number	112313
Date	May 02, 2018
Instrument	112313

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2048

Tax Assessment & Valuation

Source: Worcester County and Worcester City records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Worcester City
Unified School District	Worcester School District (PK - 12)

Tax Bill & Assessment History

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	$5,603.00 (+6.4%)	$424,800 (+15.69%) Land $119,000 Building $305,800	$508,820 (+15.31%)
2024			$441,275
2023	$5,266.00	$367,200 Land $103,400 Building $263,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277309022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (1987)
Most Recent Claim	Apr 1987, river or lake flooding, Severe Storms & Flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 304 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fiber	980 / 880
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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