44 Elm St, Unit 518, Worcester, MA 01609 Property Records

Worcester County and Worcester City property record for 44 Elm St, Unit 518, Worcester, MA 01609

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 2,123 sqft · built 1988
Lot Size	0.508 acres (22,133 sqft)
Owner	Individual Name on File
Last Sale	$425,000 (Nov 2023)
Tax Bill	$6,058 (2026)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Nov 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`3-030-00518`

Property Details

APN / Parcel Number

Primary APN	`3-030-00518`
Alternative APN	`WORC M:03 B:030 L:00518`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Units	60 Units
Building Area	2,123 sqft Living Area
Gross Area	2,415 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	3-030-00518
Street Address	44 ELM ST, 518
City	WORCESTER
State	MA
Zip	01609-2555
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Block	30
Legal Lot Number	518
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3001
Census Tract	731700

Owner

44 Elm St, Unit 518 is owned and occupied by an individual who bought it in November 2023.

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

Owner of Record	Individual Name on File
Mailing Address	44 ELM ST, 518, WORCESTER, MA 01609-2555
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

Date	Document
Nov 15, 2023	Condominium Deed, Transfer · Stand-Alone First Mortgage LEOMINSTER CU
Nov 29, 2019	Condominium Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2023 · Amount on File
Deed Sale	Nov 15, 2023 · Amount on File
Prior Sale	Nov 29, 2019 · Amount on File
Deed Document Number	202395968
Deed Book / Page	69887 / 132
Prior Transfer Date	Nov 22, 2019
Prior Transfer Doc	61510-212
Record Updated	Oct 29, 2026

November 2023: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	WORCESTER MA
Recording Date	Nov 15, 2023
Property Address	44 ELM ST UNIT 518, 518, WORCESTER, MA 01609-2555
Document Number	069887-132
Book / Page	69887 / 132
Instrument Date	Nov 15, 2023
Instrument	95968
Transaction Type	Transfer
Record Updated	Dec 8, 2023

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 518, 518, WORCESTER, MA 01609-2555

Mortgage

Document Number	0000095969
Date	Nov 15, 2023
Instrument	95969

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Type Change Date	Dec 1, 2033
Max Rate At Change	2.75%
Index	5-Year CMT

November 2019: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	WORCESTER MA
Recording Date	Nov 29, 2019
Property Address	44 ELM ST UNIT 518, 518, WORCESTER, MA 01609-2555
Document Number	61510-212
Book / Page	061510 / 000212
Instrument Date	Nov 22, 2019
Instrument	129384
Transaction Type	Transfer
Record Updated	Dec 17, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$59.28
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 #303 WORCESTER MA 016092523, 303, WORCESTER, MA 01609-2523

Tax Assessment & Valuation

The 2026 property tax bill for 44 Elm St, Unit 518 was $6,058, 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	$6,058.00 (+8.45%)	$456,200 (+7.72%) Building $456,200	$433,079 (-6.87%)
2025	$5,586.00	$423,500 Building $423,500	$465,025 (+17.13%)
2024			$397,005
2023	$5,194.00	$362,200 Building $362,200

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 518 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 518 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.

Nearby Properties on Elm St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures