433 Central St, Winchendon, MA 01475 Property Records

Worcester County and Winchendon Town property record for 433 Central St, Winchendon, MA 01475

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,701 sqft · built 1890
Lot Size	0.182 acres (7,928 sqft)
Owner	Individual Name on File
Last Sale	$106,000 (Jan 2019)
Tax Bill	$2,612 (2025)
Deeds & Mortgages	Jul 2020 Reverse Mortgage Jan 2019 Sale & Mortgage
APN	`WINC M:5A3 B:0 L:27`

Property Details

APN / Parcel Number

Primary APN	`WINC M:5A3 B:0 L:27`
Alternative APN	`WCDN M:5A3 B:0 L:27`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,701 sqft Living Area
Gross Area	2,888 sqft
Basement Area	868 sqft
Unfinished Basement	868 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,928 sqft (0.182 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	433 CENTRAL ST
City	WINCHENDON
State	MA
Zip	01475-1240
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Lot Number	27
Jurisdiction	WINCHENDON MA
Township / Civil Division	WINCHENDON
Census Block Group	1
Census Block	1004
Census Tract	701102

Owner

433 Central St is owned and occupied by an individual who bought it in January 2019.

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

Owner of Record	Individual Name on File
Mailing Address	433 CENTRAL ST, WINCHENDON, MA 01475-1240
Occupancy	Owner Occupied
Owner Type	Individual

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 10, 2020	Deed of Trust, Mortgage · Reverse Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Jan 14, 2019	Quit Claim Deed, Transfer · FHA Mortgage Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2019 · Amount on File
Deed Sale	Jan 14, 2019 · Amount on File
Deed Document Number	20193688
Deed Book / Page	59934 / 140
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHENDON MA
Property Address	433 CENTRAL ST, WINCHENDON, MA 01475-1240
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0062764-69
Date	Jul 10, 2020
Book Page	62764/69
Instrument	73839

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	337 Months
Due	Aug 1, 2048

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHENDON MA
Recording Date	Jan 14, 2019
Property Address	433 CENTRAL ST, WINCHENDON, MA 01475-1240
Document Number	59934-140
Book / Page	59934 / 140
Instrument Date	Jan 14, 2019
Instrument	3688
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 CENTRAL ST, WINCHENDON, MA 01475-1240

Mortgage

Document Number	-
Date	Jan 14, 2019
Instrument	3689

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 433 Central St was $2,612, up 3.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,612.00 (+3.77%)	$222,300 (+10.76%) Land $31,200 Building $191,100	$334,875 (-1.15%)
2024	$2,517.00 (-5.34%)	$200,700 (+1.16%) Land $29,900 Building $170,800	$338,770
2023	$2,659.00	$198,400 Land $29,300 Building $169,100

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

Flood

FEMA's flood maps do not cover 433 Central St.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 433 Central 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	Indirect within 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	WINCHENDON WATER DEPARTMENT serves 5,706 people · EPA ID MA2343000
Water Source	Purchased surface water from ASH/WIN JOINT WATER AUTHORITY
Last State Inspection	Dec 2024
Lead	1 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. 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 246 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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