43 River Rd, Sturbridge, MA 01566 Property Records

Worcester County and Sturbridge Town property record for 43 River Rd, Sturbridge, MA 01566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,269 sqft · built 1926
Lot Size	1.37 acres (59,677 sqft)
Owner	Individual Name on Record
Last Sale	$436,500 (May 2025)
Tax Bill	$6,497 (2026)
Deeds & Mortgages	Feb 2026 Mortgage May 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`545-03453-043`

Property Details

APN / Parcel Number

Primary APN	`545-03453-043`
Alternative APNs	`STUR M:545 B:000 L:3453-043` `M:545 B:000 L:3453=043`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,269 sqft Living Area
Gross Area	2,695 sqft
Basement Area	594 sqft
Unfinished Basement	594 sqft

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	59,677 sqft (1.37 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	545-03453-043
Street Address	43 RIVER RD
City	STURBRIDGE
State	MA
Zip	01566-1410
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Subdivision	MADELYN R BONIN
Legal Lot Number	3453-43
Jurisdiction	STURBRIDGE MA
Township / Civil Division	STURBRIDGE
Census Block Group	1
Census Block	1038
Census Tract	758101

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	43 RIVER RD, STURBRIDGE, MA 01566-1410
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage VILLAGE CAPITAL & INVESTMENT LLC
May 15, 2025	Quit Claim Deed, Transfer · VA Mortgage DAS ACQUISITION
Apr 27, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BANK OF CANTON
Dec 26, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance SERVICE CU
Jul 19, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2025 · Amount on Record
Deed Sale	May 15, 2025 · Amount on Record
Prior Sale	Apr 27, 2022 · Amount on Record
Deed Book / Page	71989 / 115
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STURBRIDGE MA
Property Address	43 RIVER RD, STURBRIDGE, MA 01566-1410
Transaction Type	Mortgage
Record Updated	Mar 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	073204-176
Date	Feb 17, 2026
Book Page	73204/176
Instrument	12151

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Reverse Mortgage Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

May 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STURBRIDGE MA
Recording Date	May 15, 2025
Property Address	43 RIVER RD, STURBRIDGE, MA 01566-1410
Document Number	071989-115
Book / Page	71989 / 115
Instrument Date	May 15, 2025
Instrument	38516
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount Recorded
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 Tenants with Right of Survivorship
Address	43 RIVER RD, STURBRIDGE, MA 01566-1410

Mortgage

Document Number	0000038517
Date	May 15, 2025
Instrument	38517

Lender

Name	DAS ACQUISITION

Agreement

Type	VA Mortgage
Amount	Amount Recorded

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STURBRIDGE MA
Recording Date	Apr 27, 2022
Property Address	43 RIVER RD, STURBRIDGE, MA 01566-1410
Document Number	067498-237
Book / Page	67498 / 237
Instrument Date	Apr 27, 2022
Instrument	45890
Transaction Type	Transfer
Record Updated	Nov 11, 2025

Transaction

Amount	Amount Recorded
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	Joint Venture
Address	43 RIVER RD, STURBRIDGE, MA 01566-1410

Mortgage

Document Number	0000045891
Date	Apr 27, 2022
Instrument	45891

Lender

Name	BANK OF CANTON
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STURBRIDGE MA
Property Address	43 RIVER RD, STURBRIDGE, MA 01566-1410
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61656-295
Date	Dec 26, 2019
Book Page	61656/295
Instrument	141280

Lender

Name	SERVICE CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STURBRIDGE MA
Recording Date	Jul 19, 2018
Property Address	43 RIVER RD, STURBRIDGE, MA 01566-1410
Document Number	59125-84
Book / Page	059125 / 000084
Instrument Date	Jun 4, 2018
Instrument	73756
Transaction Type	Transfer
Record Updated	Aug 13, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 HEATHERWOOD DR MARLBOROUGH MA 017526071, MARLBOROUGH, MA 01752-6071

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Sturbridge Town
Elementary School District	Sturbridge School District (PK - 06)
Secondary School District	Tantasqua School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,497.00 (+3.06%)	$416,500 (+5.26%) Land $89,300 Building $327,200	$431,075 (+4.55%)
2025	$6,304.00 (+9.88%)	$395,700 (+13.74%) Land $85,800 Building $309,900	$412,300 (+1.4%)
2024	$5,737.00 (+28.43%)	$347,900 (+40.74%) Land $84,100 Building $263,800	$406,600
2023	$4,467.00	$247,200 Land $73,200 Building $174,000

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

Flood

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 A, 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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