440 Exchange St, Athol, MA 01331 Property Records

Worcester County and Athol Town property record for 440 Exchange St, Athol, MA 01331

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,460 sqft · built 1925
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Jul 2021)
Tax Bill	$4,986 (2025)
Deeds & Mortgages	Sep 2019 Refinance Jul 2021 Sale & Mortgage
APN	`ATHO M:00013 B:00160 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ATHO M:00013 B:00160 L:00000`
Alternative APNs	`5085` `302`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,460 sqft Living Area
Gross Area	5,603 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Colonial
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,985 sqft (0.344 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	5085
Street Address	440 EXCHANGE ST
City	ATHOL
State	MA
Zip	01331-1844
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	160
Jurisdiction	ATHOL MA
Township / Civil Division	ATHOL
Census Block Group	3
Census Block	3016
Census Tract	703200

Owner

Source: Worcester County and Athol Town records, as of July 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	440 EXCHANGE ST, ATHOL, MA 01331-1844
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance ATHOL SAVINGS BANK
Jul 14, 2021	Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2021 · Amount on Record
Deed Sale	Jul 14, 2021 · Amount on Record
Deed Document Number	202197662
Deed Book / Page	65608 / 60
Record Updated	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ATHOL MA
Property Address	440 EXCHANGE ST, ATHOL, MA 01331-1844
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	061036-290
Date	Sep 12, 2019
Book Page	61036/290
Instrument	93449

Lender

Name	ATHOL SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	Oct 1, 2024

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	Jul 14, 2021
Property Address	440 EXCHANGE ST, ATHOL, MA 01331-1844
Document Number	0065608-60
Book / Page	65608 / 60
Instrument Date	Jul 13, 2021
Instrument	97662
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount Recorded
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
Relationship	Joint Venture
Address	440 EXCHANGE ST, ATHOL, MA 01331-1844

Mortgage

Document Number	0000097663
Date	Jul 14, 2021
Instrument	97663

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Worcester County and Athol Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Athol Town
Unified School District	Athol-Royalston School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,986.00 (+1.18%)	$392,300 (+2.13%) Land $50,700 Building $341,600	$422,940 (-11.4%)
2024	$4,928.00	$384,100 Land $50,700 Building $333,400	$477,375

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	Not included in the FIRM
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	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ATHOL DPW WATER DIVISION serves 10,587 people · EPA ID MA1015000
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	4 ppb (2025) 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 236 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Verizon.

Nearby Properties on Exchange St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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