44 Elm St, Unit 514, Worcester, MA 01609 Property Records

Worcester County and Worcester City property record for 44 Elm St, Unit 514, Worcester, MA 01609

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 780 sqft · built 1988
Lot Size	0.508 acres (22,133 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (Mar 2018)
Tax Bill	$3,134 (2026)
Deeds & Mortgages	Jul 2020 Refinance Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-030-00514`

Property Details

APN / Parcel Number

Primary APN	`3-030-00514`
Alternative APN	`WORC M:03 B:030 L:00514`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Units	60 Units
Building Area	780 sqft Living Area
Gross Area	1,000 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	3-030-00514
Street Address	44 ELM ST, 514
City	WORCESTER
State	MA
Zip	01609-2555
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Block	30
Legal Lot Number	514
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, 514, WORCESTER, MA 01609-2555
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
Mar 14, 2018	Quit Claim Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2018 · Amount on Record
Deed Sale	Mar 14, 2018 · Amount on Record
Prior Sale	Nov 1, 2002 · Amount on Record
Deed Book / Page	58536 / 345
Transfer Doc	058536-345
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	44 ELM ST UNIT 514, 514, WORCESTER, MA 01609-2555
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62849-270
Date	Jul 22, 2020
Book Page	62849/270
Instrument	79228

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Mar 14, 2018
Property Address	44 ELM ST UNIT 514, 514, WORCESTER, MA 01609-2555
Document Number	58536-345
Book / Page	058536 / 000345
Instrument Date	Feb 28, 2018
Instrument	23502
Transaction Type	Transfer
Record Updated	Apr 3, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$592.80
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	44-514 ELM ST #514 WORCESTER MA 016092555, 514, WORCESTER, MA 01609-2555

Mortgage

Document Number	58536-349
Date	Mar 14, 2018
Book Page	058536/000349
Instrument	23503

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 13, 2048

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	$3,134.00 (+8.44%)	$236,000 (+7.71%) Building $236,000	$242,903 (+8.48%)
2025	$2,890.00 (+7.68%)	$219,100 (+17.04%) Building $219,100	$223,915 (+9.68%)
2024			$204,155
2023	$2,684.00	$187,200 Building $187,200

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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