44 Elm St, Unit 517, Worcester, MA 01609 Property Records

Worcester County and Worcester City property record for 44 Elm St, Unit 517, Worcester, MA 01609

Property Summary

Property Type	Condominium
Details	1 bd · 2.5 ba · 1,127 sqft · built 1988
Lot Size	0.508 acres (22,133 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Apr 2025)
Tax Bill	$3,945 (2026)
Deeds & Mortgages	Apr 2025 Sale Oct 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3-030-00517`

Property Details

APN / Parcel Number

Primary APN	`3-030-00517`
Alternative APN	`WORC M:03 B:030 L:00517`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Building Area	1,127 sqft Living Area
Gross Area	1,419 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	3-030-00517
Street Address	44 ELM ST, 517
City	WORCESTER
State	MA
Zip	01609-2555
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Block	30
Legal Lot Number	517
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3001
Census Tract	731700

Owner

44 Elm St, Unit 517 is owned and occupied by two individuals who bought it in April 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	44 ELM ST, 517, WORCESTER, MA 01609-2555
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Apr 30, 2025	Condominium Deed, Transfer
Oct 29, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE
Apr 8, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MAIN STREET BANK (MA)
Nov 7, 2018	Deed, Transfer MAIN STREET BANK (MA)
Apr 5, 2018	Condominium Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2025 · Amount on File
Deed Sale	Apr 30, 2025 · Amount on File
Prior Sale	Oct 29, 2021 · Amount on File
Deed Book / Page	71921 / 377
Record Updated	Oct 29, 2026

April 2025: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	WORCESTER MA
Recording Date	Apr 30, 2025
Property Address	44 ELM ST UNIT 517, 517, WORCESTER, MA 01609-2555
Document Number	071921-377
Book / Page	71921 / 377
Instrument Date	Apr 28, 2025
Instrument	33431
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount 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
Relationship	Tenants by the Entirety
Address	44 ELM ST UNIT 517, 517, WORCESTER, MA 01609-2555

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Oct 29, 2021
Property Address	44 ELM ST UNIT 517, 517, WORCESTER, MA 01609-2555
Document Number	66420-188
Book / Page	66420 / 188
Instrument Date	Oct 29, 2021
Instrument	152855
Transaction Type	Transfer
Record Updated	Nov 19, 2021

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 UNIT 517, 517, WORCESTER, MA 01609-2555

Mortgage

Document Number	152856
Date	Oct 29, 2021
Instrument	152856

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	44 ELM ST UNIT 517, 517, WORCESTER, MA 01609-2555
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62177-18
Date	Apr 8, 2020
Book Page	62177/18
Instrument	35571

Lender

Name	MAIN STREET BANK (MA)

Agreement

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

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MA
Recording Date	Nov 7, 2018
Property Address	44 ELM ST UNIT 517, 517, WORCESTER, MA 01609-2555
Document Number	59658-227
Book / Page	59658 / 227
Instrument	118544
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28.46
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	596580230
Date	Nov 7, 2018
Instrument	59658/0230

Lender

Name	MAIN STREET BANK (MA)

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 7, 2048

April 2018: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	WORCESTER MA
Recording Date	Apr 5, 2018
Property Address	44 ELM ST UNIT 517, 517, WORCESTER, MA 01609-2555
Document Number	58631-139
Book / Page	058631 / 000139
Instrument Date	Mar 28, 2018
Instrument	31689
Transaction Type	Transfer
Record Updated	Apr 24, 2018

Transaction

Amount	Amount on Record
Tax	$661.20
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 #518 WORCESTER MA 016092555, 518, WORCESTER, MA 01609-2555

Tax Assessment & Valuation

The 2026 property tax bill for 44 Elm St, Unit 517 was $3,945, 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	$3,945.00 (+8.38%)	$297,100 (+7.64%) Building $297,100	$298,208 (+0.13%)
2025	$3,640.00	$276,000 Building $276,000	$297,825 (-1.38%)
2024			$302,005
2023	$3,390.00	$236,400 Building $236,400

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 517 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 517 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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