Worcester County and Lancaster Town property record for 441 Neck Rd, Lancaster, MA 01523
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,356 sqft · built 1945 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | Individual on Record |
| Tax Bill | $6,079 (2025) |
| Deeds & Mortgages | May 2023 Mortgage Apr 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | LANC M:034.0 B:0000 L:0051.A |
| Primary APN | LANC M:034.0 B:0000 L:0051.A |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 3 Stories |
| Building Area | 3,356 sqft Living Area |
| Gross Area | 3,402 sqft |
| 1st Floor Area | 1,356 sqft |
| Basement Area | 476 sqft |
| Unfinished Basement | 476 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,810 sqft (0.34 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 441 NECK RD |
|---|---|
| City | LANCASTER |
| State | MA |
| Zip | 01523-2275 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | 51.A |
| Jurisdiction | LANCASTER MA |
| Township / Civil Division | LANCASTER |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 713100 |
Source: Worcester County and Lancaster Town assessment roll, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual on Record |
|---|---|
| Mailing Address | 441 NECK RD, LANCASTER, MA 01523-2275 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 15, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) WORKERS CU |
| Apr 14, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Sep 18, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Nov 13, 2018 | Deed of Trust, Mortgage · Conventional Mortgage QUAD CTY BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 441 NECK RD, LANCASTER, MA 01523-2275 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0069130-55 |
|---|---|
| Date | May 15, 2023 |
| Book Page | 69130/55 |
| Instrument | 36943 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Jun 1, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 441 NECK RD, LANCASTER, MA 01523-2275 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2021 |
| Name | Verified Name |
|---|
| Document Number | 64927-75 |
|---|---|
| Date | Apr 14, 2021 |
| Book Page | 64927/75 |
| Instrument | 51109 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 441 NECK RD, LANCASTER, MA 01523-2275 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 63282-14 |
|---|---|
| Date | Sep 18, 2020 |
| Book Page | 63282/14 |
| Instrument | 107994 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 441 NECK RD, LANCASTER, MA 01523-2275 |
| Document Number | 59735-217 |
| Instrument Date | Nov 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2018 |
| Name | Verified Name |
|---|---|
| Address | 441 NECK RD LANCASTER MA 015232275, LANCASTER, MA 01523-2275 |
| Document Number | 59735-217 |
|---|---|
| Date | Nov 27, 2018 |
| Book Page | 059735/000217 |
| Instrument | 125079 |
| Name | QUAD CTY BK&TR |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 26, 2033 |
Source: Worcester County and Lancaster Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Lancaster Town |
| Unified School District | Nashoba School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,079.00 (+5.12%) | $376,200 (+11.83%) Land $103,600 Building $272,600 | $814,530 (-2.3%) |
| 2024 | $833,720 | ||
| 2023 | $5,783.00 | $336,400 Land $87,600 Building $248,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 27 (1978–2010) |
| Claims Outside the SFHA | 4 of 27 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LANCASTER WATER DEPARTMENT serves 6,000 people · EPA ID MA2147000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2026 |
| Lead | 17 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
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