432 Mill St, Worcester, MA 01602 Property Records

Worcester County and Worcester City property record for 432 Mill St, Worcester, MA 01602

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 998 sqft · built 1955
Lot Size	0.176 acres (7,659 sqft)
Owner	Company Name on Record
Last Sale	$244,000 (Jun 2006)
Tax Bill	$4,547 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Feb 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`48-021-00025`

Property Details

APN / Parcel Number

Primary APN	`48-021-00025`
Alternative APN	`WORC M:48 B:021 L:00025`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	998 sqft Living Area
Gross Area	2,398 sqft
1st Floor Area	998 sqft
Basement Area	988 sqft
Unfinished Basement	988 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,659 sqft (0.176 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	48-021-00025
Street Address	432 MILL ST
City	WORCESTER
State	MA
Zip	01602-2444
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Subdivision	S QUINSIGAMOND AVE
Legal Block	21
Legal Lot Number	25
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	2
Census Block	2002
Census Tract	730902

Owner

Source: Worcester County and Worcester City 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	Company Name on Record
Mailing Address	70 SOUTHBRIDGE ST, 314, WORCESTER, MA 01608-2049
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Feb 24, 2026	Quit Claim Deed, Transfer Quitclaim
Feb 24, 2026	Quit Claim Deed, Transfer Quitclaim
Nov 16, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2006 · Amount on Record
Deed Sale	Jun 30, 2006 · Amount on Record
Prior Sale	Apr 11, 2006 · Amount on Record
Deed Document Number	200690508
Deed Book / Page	79 / 141
Last Transfer Date	Feb 16, 2026
Transfer Doc	0073232-68
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	432 MILL ST, WORCESTER, MA 01602-2444
Transaction Type	Mortgage
Record Updated	May 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000119233
Date	Nov 16, 2021
Instrument	119233

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2046

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Feb 24, 2026
Property Address	432 MILL ST, WORCESTER, MA 01602-2444
Document Number	0073232-68
Book / Page	73232 / 68
Instrument Date	Feb 16, 2026
Instrument	13970
Transaction Type	Transfer
Record Updated	Mar 18, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 SOUTHBRIDGE ST UNIT 314, 314, WORCESTER, MA 01608-2049

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Feb 24, 2026
Property Address	432 MILL ST, WORCESTER, MA 01602-2444
Document Number	0073232-68
Book / Page	73232 / 68
Instrument Date	Feb 16, 2026
Instrument	13970
Transaction Type	Transfer
Record Updated	May 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 SOUTHBRIDGE ST UNIT 314, 314, WORCESTER, MA 01608-2049

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	432 MILL ST, WORCESTER, MA 01602-2444
Transaction Type	Mortgage
Record Updated	Dec 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	119233
Date	Nov 16, 2021
Instrument	119233

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2046

Tax Assessment & Valuation

Source: Worcester County and Worcester City assessment roll, as of April 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,547.00 (-0.39%)	$342,400 (-1.07%) Land $123,700 Building $218,700	$372,037 (-0.33%)
2025	$4,565.00 (+5.55%)	$346,100 (+14.75%) Land $117,800 Building $228,300	$373,255 (+10.24%)
2024			$338,580
2023	$4,325.00	$301,600 Land $102,400 Building $199,200

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (1987)
Most Recent Claim	Apr 1987 · Severe Storms & Flooding

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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	WORCESTER DPWP, WATER SUPPLY DIVISION serves 206,518 people · EPA ID MA2348000
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	2 ppb (2022–2024) 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 304 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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