44 Elm St, Unit 407, Worcester, MA 01609 Property Records

Worcester County and Worcester City property record for 44 Elm St, Unit 407, Worcester, MA 01609

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 805 sqft · built 1988
Lot Size	0.508 acres (22,133 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Aug 2022)
Tax Bill	$3,193 (2026)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-030-00407`

Property Details

APN / Parcel Number

Primary APN	`3-030-00407`
Alternative APN	`WORC M:03 B:030 L:00407`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Units	60 Units
Building Area	805 sqft Living Area
Gross Area	1,025 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	3-030-00407
Street Address	44 ELM ST, 407
City	WORCESTER
State	MA
Zip	01609-2533
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Block	30
Legal Lot Number	407
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3001
Census Tract	731700

Owner

44 Elm St, Unit 407 is owned and occupied by an individual who bought it in August 2022.

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

Owner of Record	Individual Name on File
Mailing Address	44 ELM ST, 407, WORCESTER, MA 01609-2533
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2022 · Amount on File
Deed Sale	Aug 25, 2022 · Amount on File
Prior Sale	Mar 13, 2002 · Amount on File
Deed Book / Page	68118 / 316
Record Updated	Oct 29, 2026

August 2022: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	WORCESTER MA
Recording Date	Aug 25, 2022
Property Address	44 ELM ST UNIT 407, 407, WORCESTER, MA 01609-2533
Document Number	068118-316
Book / Page	68118 / 316
Instrument Date	Aug 25, 2022
Instrument	93674
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 ELM ST # UT407, UT407, WORCESTER, MA 01609-2534

Mortgage

Document Number	0000093675
Date	Aug 25, 2022
Instrument	93675

Lender

Name	FIRST WORLD MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 44 Elm St, Unit 407 was $3,193, up 8.5% 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	$3,193.00 (+8.49%)	$240,400 (+7.75%) Building $240,400	$239,553 (+2.05%)
2025	$2,943.00	$223,100 Building $223,100	$234,745 (+5.37%)
2024			$222,775
2023	$2,735.00	$190,700 Building $190,700

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 407 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 407 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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