44 Elm St, Unit 208, Worcester, MA 01609 Property Records

Worcester County and Worcester City property record for 44 Elm St, Unit 208, Worcester, MA 01609

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,316 sqft · built 1988
Lot Size	0.508 acres (22,133 sqft)
Owner	Trust Name on File
Last Sale	$11,000 (Jul 2017)
Tax Bill	$4,304 (2026)
Deeds & Mortgages	Mar 2021 Line of Credit Mar 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-030-00208`

Property Details

APN / Parcel Number

Primary APN	`3-030-00208`
Alternative APN	`WORC M:03 B:030 L:00208`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Units	60 Units
Stories	2 Stories
Building Area	1,316 sqft Living Area
Gross Area	1,536 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
Lot Area	22,133 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	3-030-00208
Street Address	44 ELM ST, 208
City	WORCESTER
State	MA
Zip	01609-2533
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Block	30
Legal Lot Number	208
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3001
Census Tract	731700

Owner

44 Elm St, Unit 208 is owner-occupied and held in a trust since March 2020.

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

Owner of Record	Trust Name on File
Mailing Address	44 ELM ST, 208, WORCESTER, MA 01609-2533
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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
Mar 30, 2021	Deed of Trust, Mortgage · Line of Credit UNIBANK FOR SAVINGS
Mar 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE EQUITY PARTNERS LLC
Mar 19, 2020	Condominium Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2017 · Amount on File
Deed Sale	Jul 20, 2017 · Amount on File
Prior Sale	Mar 30, 2016 · Amount on File
Deed Book / Page	57446 / 392
Last Transfer Date	Mar 13, 2020
Transfer Doc	62068-306
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	44 ELM ST UNIT 208, 208, WORCESTER, MA 01609-2533
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064802-176
Date	Mar 30, 2021
Book Page	64802/176
Instrument	43212

Lender

Name	UNIBANK FOR SAVINGS
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2041

Interest

Rate Type	Adjustable Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	44 ELM ST UNIT 208, 208, WORCESTER, MA 01609-2533
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62065-170
Date	Mar 18, 2020
Book Page	62065/170
Instrument	28396

Lender

Name	MORTGAGE EQUITY PARTNERS LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

March 2020: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	WORCESTER MA
Recording Date	Mar 19, 2020
Property Address	44 ELM ST UNIT 208, 208, WORCESTER, MA 01609-2533
Document Number	62068-306
Book / Page	062068 / 000306
Instrument Date	Mar 13, 2020
Instrument	28649
Transaction Type	Transfer
Record Updated	Apr 7, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	44 ELM ST #208 WORCESTER MA 016092533, 208, WORCESTER, MA 01609-2533

Tax Assessment & Valuation

The 2026 property tax bill for 44 Elm St, Unit 208 was $4,304, up 8.4% from the year before.

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	$4,304.00 (+8.44%)	$324,100 (+7.71%) Building $324,100	$320,647 (+19.22%)
2025	$3,969.00	$300,900 Building $300,900	$268,945 (-0.56%)
2024			$270,465
2023	$3,691.00	$257,400 Building $257,400

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

Flood

FEMA maps place 44 Elm St, Unit 208 in Zone X, an area of minimal flood risk.

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

The area around 44 Elm St, Unit 208 has no burnable land within ember reach, so its wildfire risk is not rated.

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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