43 Public Rd, Lancaster, MA 01523 Property Records

Worcester County and Lancaster Town property record for 43 Public Rd, Lancaster, MA 01523

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,481 sqft · built 1906
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$545,000 (Jul 2025)
Tax Bill	$5,826 (2025)
Deeds & Mortgages	Jul 2025 Sale Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`LANC M:045.0 B:0000 L:0077.0`

Property Details

APN / Parcel Number

Primary APN	`LANC M:045.0 B:0000 L:0077.0`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,481 sqft Living Area
1st Floor Area	871 sqft
Basement Area	300 sqft
Unfinished Basement	300 sqft

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	43 PUBLIC RD
City	LANCASTER
State	MA
Zip	01523-1705
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	77.0
Jurisdiction	LANCASTER MA
Township / Civil Division	LANCASTER
Census Block Group	2
Census Block	2043
Census Tract	713100

Owner

43 Public Rd is owned and occupied by two individuals who bought it in July 2025.

Source: Worcester County and Lancaster Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	43 PUBLIC RD, LANCASTER, MA 01523-1705
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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 1, 2025	Quit Claim Deed, Transfer
Aug 9, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2025 · Amount on File
Deed Sale	Jul 1, 2025 · Amount on File
Prior Sale	Aug 9, 2022 · Amount on File
Deed Document Number	202554200
Deed Book / Page	72205 / 211
Record Updated	Oct 29, 2026

July 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LANCASTER MA
Recording Date	Jul 1, 2025
Property Address	43 PUBLIC RD, LANCASTER, MA 01523-1705
Document Number	072205-211
Book / Page	72205 / 211
Instrument Date	Jul 1, 2025
Instrument	202500054200
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Amount	Amount 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	43 PUBLIC RD, LANCASTER, MA 01523-1705

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LANCASTER MA
Recording Date	Aug 9, 2022
Property Address	43 PUBLIC RD, LANCASTER, MA 01523-1705
Document Number	068039-363
Book / Page	68039 / 363
Instrument Date	Aug 8, 2022
Instrument	87443
Transaction Type	Transfer
Record Updated	Nov 11, 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
Address	43 PUBLIC RD, LANCASTER, MA 01523-1705

Mortgage

Document Number	0000087444
Date	Aug 9, 2022
Instrument	87444

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 43 Public Rd was $5,826.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,826.00	$360,500 Land $99,700 Building $260,800	$512,810 (+7.85%)
2024			$475,475
2023	$5,454.00	$317,300 Land $84,300 Building $233,000

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

Flood

FEMA maps place 43 Public Rd in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1978.

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
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	9 (1978–2010)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims

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 Public Rd 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	LANCASTER WATER DEPARTMENT serves 6,000 people · EPA ID MA2147000
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	17 ppb (2024–2026) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 281 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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