44 Elm St, Unit 101, Worcester, MA 01609 Property Records

Worcester County and Worcester City property record for 44 Elm St, Unit 101, Worcester, MA 01609

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,314 sqft · built 1988
Owner	2 Individual Names on Record
Last Sale	$200,000 (Mar 2018)
Tax Bill	$4,568 (2026)
Deeds & Mortgages	Jan 2020 Refinance Jun 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-030-00101`

Property Details

APN / Parcel Number

Primary APN	`3-030-00101`
Alternative APN	`WORC M:03 B:030 L:00101`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Units	60 Units
Stories	1 Story
Building Area	1,314 sqft Living Area
Gross Area	1,534 sqft
1st Floor Area	1,272 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	High Rise
Exterior Material	Wood Siding
Roof Type	Flat
Roof Material	Other

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	3-030-00101
Street Address	44 ELM ST, 101
City	WORCESTER
State	MA
Zip	01609-2523
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Block	30
Legal Lot Number	101
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3001
Census Tract	731700

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	2 Individual Names on Record
Mailing Address	44 ELM ST, 101, WORCESTER, MA 01609-2523
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Jun 5, 2018	Deed of Trust, Mortgage MAGNOLIA BANK INC
Mar 23, 2018	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2018 · Amount on Record
Deed Sale	Mar 23, 2018 · Amount on Record
Prior Sale	Mar 15, 2005 · Amount on Record
Deed Document Number	201827104
Deed Book / Page	58576 / 59
Transfer Doc	58576-59
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	44 ELM ST UNIT 101, 101, WORCESTER, MA 01609-2523
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61816-7
Date	Jan 30, 2020
Book Page	61816/7
Instrument	9774

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2030

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	44 ELM ST UNIT 101, 101, WORCESTER, MA 01609-2523
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58902-39
Date	Jun 5, 2018
Book Page	58902/39
Instrument	54672

Lender

Name	MAGNOLIA BANK INC

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Mar 23, 2018
Property Address	44 ELM ST UNIT 101, 101, WORCESTER, MA 01609-2523
Document Number	58576-59
Book / Page	058576 / 000059
Instrument Date	Mar 20, 2018
Instrument	27104
Transaction Type	Transfer
Record Updated	Apr 10, 2018

Transaction

Amount	Amount Recorded
Tax	$912.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	44 ELM ST #101 WORCESTER MA 016092523, 101, WORCESTER, MA 01609-2523

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	$4,568.00 (+8.43%)	$344,000 (+7.7%) Building $344,000	$334,105 (+19.26%)
2025	$4,213.00 (+7.5%)	$319,400 (+16.87%) Building $319,400	$280,155 (+1.2%)
2024			$276,830
2023	$3,919.00	$273,300 Building $273,300

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

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

Wildfire Risk	Not rated no burnable land 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	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 497 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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