435 Putnam Hill Rd, Sutton, MA 01590 Property Records

Worcester County and Sutton Town property record for 435 Putnam Hill Rd, Sutton, MA 01590

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,032 sqft · built 1900
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on Record
Last Sale	$269,000 (Jan 2016)
Tax Bill	$5,409 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Nov 2022 Refinance + 6 more
Flood Zone	Zone X (minimal risk)
APN	`SUTT M:0049 P:97`

Property Details

APN / Parcel Number

Primary APN	`SUTT M:0049 P:97`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,032 sqft Living Area
Gross Area	3,798 sqft
1st Floor Area	1,112 sqft
Basement Area	696 sqft
Unfinished Basement	696 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	14,375 sqft (0.33 acres)
Garage Type	Carport
Carport	Carport
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	435 PUTNAM HILL RD
City	SUTTON
State	MA
Zip	01590-1653
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	V
Jurisdiction	SUTTON MA
Township / Civil Division	SUTTON
Census Block Group	4
Census Block	4026
Census Tract	751101

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Manchaug Village Historic District listed 2018 · 248 contributing resources · NRIS 100002026

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Worcester County and Sutton 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	435 PUTNAM HILL RD, SUTTON, MA 01590-1653
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 10, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Sep 12, 2025	Deed of Trust, Mortgage · Second Mortgage (Down Payment) ROCKET MORTGAGE LLC
Nov 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Oct 10, 2024	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE
Nov 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Dec 8, 2020	Deed of Trust, Mortgage · VA Mortgage USAA FSB
May 18, 2017	Deed of Trust, Mortgage · FHA Mortgage USAA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2016 · Amount on Record
Deed Sale	Jan 6, 2016 · Amount on Record
Prior Sale	Mar 19, 2004 · Amount on Record
Deed Document Number	20161347
Deed Book / Page	54792 / 216
Transfer Doc	054792-216
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUTTON MA
Recording Date	Jul 8, 2026
Property Address	435 PUTNAM HILL RD, SUTTON, MA 01590-1653
Document Number	0000057062
Book / Page	73843 / 285
Instrument Date	Jul 2, 2026
Instrument	202657062
Transaction Type	Mortgage
Record Updated	Jul 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 PUTNAM HILL RD, SUTTON, MA 01590-1653

Mortgage

Document Number	0000057062,
Date	Jul 8, 2026
Book Page	73843/285
Instrument	202657062

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.48%
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUTTON MA
Property Address	435 PUTNAM HILL RD, SUTTON, MA 01590-1653
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068472-48
Date	Nov 10, 2022
Book Page	68472/48
Instrument	121277

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUTTON MA
Property Address	435 PUTNAM HILL RD, SUTTON, MA 01590-1653
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072523-40
Date	Sep 12, 2025
Book Page	72523/40
Instrument	77799

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUTTON MA
Property Address	435 PUTNAM HILL RD, SUTTON, MA 01590-1653
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066535-312
Date	Nov 16, 2021
Book Page	66535/312
Instrument	160301

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUTTON MA
Property Address	435 PUTNAM HILL RD, SUTTON, MA 01590-1653
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071139-59
Date	Oct 10, 2024
Book Page	71139/59
Instrument	83257

Lender

Name	ROCKET MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2054

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUTTON MA
Property Address	435 PUTNAM HILL RD, SUTTON, MA 01590-1653
Transaction Type	Mortgage
Record Updated	Dec 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66535-312
Date	Nov 16, 2021
Book Page	66535/312
Instrument	160301

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUTTON MA
Property Address	435 PUTNAM HILL RD, SUTTON, MA 01590-1653
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63925-161
Date	Dec 8, 2020
Book Page	63925/161
Instrument	151535

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2052

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUTTON MA
Property Address	435 PUTNAM HILL RD, SUTTON, MA 01590-1653
Document Number	57165-97
Book / Page	057165 / 000097
Instrument Date	May 18, 2017
Transaction Type	Mortgage
Record Updated	Jun 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57165-97
Date	May 25, 2017
Book Page	057165/000097
Instrument	53179

Lender

Name	USAA

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 24, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,409.00 (-8.59%)	$468,300 (+5.26%) Land $157,800 Building $310,500	$483,102 (-0.09%)
2025	$5,917.00 (+3.99%)	$444,900 (+8.06%) Land $145,300 Building $299,600
2024	$5,690.00 (-4.47%)	$411,700 (+4.18%) Land $139,000 Building $272,700	$483,550
2023	$5,956.00	$395,200 Land $125,600 Building $269,600

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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 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	MANCHAUG WATER DISTRICT OF SUTTON serves 476 people · EPA ID MA2290001
Water Source	Groundwater
Last State Inspection	Oct 2023
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30

May also be available: AT&T.

Cell Coverage

5G and 4G LTE (outdoors only)

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