43 Howard St, Milford, MA 01757 Property Records

Worcester County and Milford Town property record for 43 Howard St, Milford, MA 01757

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,584 sqft · built 1998
Lot Size	1.09 acres (47,502 sqft)
Owner	2 Trust Names on File
Last Sale	$245,000 (Feb 2001)
Tax Bill	$7,201 (2025)
Deeds & Mortgages	Jul 2026 Transfer Jun 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`MILF M:58 B:000 L:3D`

Property Details

APN / Parcel Number

Primary APN	`MILF M:58 B:000 L:3D`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,584 sqft Living Area
Gross Area	3,200 sqft
Basement Area	792 sqft
Unfinished Basement	792 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	47,502 sqft (1.09 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	43 HOWARD ST
City	MILFORD
State	MA
Zip	01757-3678
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Lot Number	3D
Jurisdiction	MILFORD MA
Township / Civil Division	MILFORD
Census Block Group	1
Census Block	1005
Census Tract	744201

Owner

43 Howard St is owner-occupied and held in a trust since July 2026.

Source: Worcester County and Milford Town records, as of August 12, 2026

Owner of Record	2 Trust Names on File
Mailing Address	43 HOWARD ST, MILFORD, MA 01757-3678
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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 23, 2026	Quit Claim Deed, Transfer Quitclaim
Jun 5, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Feb 8, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND
Dec 18, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK OF RHODE ISLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2001 · Amount on File
Deed Sale	Feb 23, 2001 · Amount on File
Prior Sale	Aug 28, 1998 · Amount on File
Deed Document Number	2001
Deed Book / Page	23582 / 101
Last Transfer Date	Jul 9, 2026
Transfer Doc	0000062438
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MILFORD MA
Recording Date	Jul 23, 2026
Property Address	43 HOWARD ST, MILFORD, MA 01757-3678
Document Number	0000062438
Book / Page	73920 / 4
Instrument Date	Jul 9, 2026
Instrument	202662438
Transaction Type	Transfer
Record Updated	Aug 31, 2026

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	43 HOWARD ST, MILFORD, MA 01757-3678

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILFORD MA
Property Address	43 HOWARD ST, MILFORD, MA 01757-3678
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072078-290
Date	Jun 5, 2025
Book Page	72078/290
Instrument	45072

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILFORD MA
Property Address	43 HOWARD ST, MILFORD, MA 01757-3678
Transaction Type	Mortgage
Record Updated	Feb 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067081-289
Date	Feb 8, 2022
Book Page	67081/289
Instrument	15193

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Mar 1, 2047

Interest

Rate Type	Adjustable Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILFORD MA
Property Address	43 HOWARD ST, MILFORD, MA 01757-3678
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61610-111
Date	Dec 18, 2019
Book Page	61610/111
Instrument	137407

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	193 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 43 Howard St was $7,201, 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	$7,201.00 (+0.83%)	$562,600 (+4.69%) Land $218,500 Building $344,100	$525,825
2024	$7,142.00 (+7.24%)	$537,400 (+16.6%) Land $209,800 Building $327,600
2023	$6,660.00	$460,900 Land $174,900 Building $286,000

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

Flood

FEMA maps place 43 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 43 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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