44 Elm St, Unit 402, Worcester, MA 01609 Property Records

Worcester County and Worcester City property record for 44 Elm St, Unit 402, Worcester, MA 01609

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,960 sqft · built 1988
Lot Size	0.508 acres (22,133 sqft)
Owner	Individual Name on Record
Last Sale	$255,000 (Aug 2018)
Tax Bill	$5,677 (2026)
Deeds & Mortgages	Sep 2020 Refinance Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-030-00402`

Property Details

APN / Parcel Number

Primary APN	`3-030-00402`
Alternative APN	`WORC M:03 B:030 L:00402`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Units	60 Units
Building Area	1,960 sqft Living Area
Gross Area	2,244 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	3-030-00402
Street Address	44 ELM ST, 402
City	WORCESTER
State	MA
Zip	01609-2523
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Block	30
Legal Lot Number	402
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	Individual Name on Record
Mailing Address	44 ELM ST, 402, WORCESTER, MA 01609-2523
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ALLCOM CREDIT UNION
Aug 1, 2018	Condominium Deed, Transfer · Conventional Mortgage R N PETER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2018 · Amount on Record
Deed Sale	Aug 1, 2018 · Amount on Record
Deed Document Number	201879928
Deed Book / Page	59198 / 84
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	44 ELM ST UNIT 402, 402, WORCESTER, MA 01609-2523
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63358-17
Date	Sep 28, 2020
Book Page	63358/17
Instrument	112958

Lender

Name	ALLCOM CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

August 2018: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	WORCESTER MA
Recording Date	Aug 1, 2018
Property Address	44 ELM ST UNIT 402, 402, WORCESTER, MA 01609-2523
Document Number	59198-84
Book / Page	059198 / 000084
Instrument Date	Aug 1, 2018
Instrument	79928
Transaction Type	Transfer
Record Updated	Aug 21, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,162.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 ELM ST #UT402 WORCESTER MA 016092534, WORCESTER, MA 01609-2534

Mortgage

Document Number	59198-86
Date	Aug 1, 2018
Book Page	059198/000086
Instrument	79929

Lender

Name	R N PETER

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 31, 2028

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	$5,677.00 (+8.46%)	$427,500 (+7.74%) Building $427,500	$395,979 (+29.13%)
2025	$5,234.00 (+7.56%)	$396,800 (+16.95%) Building $396,800	$306,660 (+0.56%)
2024			$304,950
2023	$4,866.00	$339,300 Building $339,300

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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