448 Central St, Winchendon, MA 01475 Property Records

Worcester County and Winchendon Town property record for 448 Central St, Winchendon, MA 01475

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,580 sqft · built 1915
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$132,000 (Jun 2012)
Tax Bill	$2,721 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Aug 2024 Refinance
APN	`WINC M:5A3 B:0 L:18`

Property Details

APN / Parcel Number

Primary APN	`WINC M:5A3 B:0 L:18`
Alternative APN	`WCDN M:5A3 B:0 L:18`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,580 sqft Living Area
Gross Area	3,941 sqft
Basement Area	1,164 sqft
Unfinished Basement	1,164 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Bungalow
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	448 CENTRAL ST
City	WINCHENDON
State	MA
Zip	01475-1207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Lot Number	18
Jurisdiction	WINCHENDON MA
Township / Civil Division	WINCHENDON
Census Block Group	1
Census Block	1006
Census Tract	701102

Owner

448 Central St is owned and occupied by two individuals who bought it in June 2012.

Source: Worcester County and Winchendon Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	448 CENTRAL ST, WINCHENDON, MA 01475-1207
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
Mar 29, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) ATHOL SAVINGS BANK
Aug 26, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance ATHOL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2012 · Amount on File
Deed Sale	Jun 13, 2012 · Amount on File
Prior Sale	Nov 21, 2007 · Amount on File
Deed Book / Page	49115 / 106
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHENDON MA
Property Address	448 CENTRAL ST, WINCHENDON, MA 01475-1207
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067340-49
Date	Mar 29, 2022
Book Page	67340/49
Instrument	34372

Lender

Name	ATHOL SAVINGS BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	121 Months
Due	Apr 1, 2032

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHENDON MA
Property Address	448 CENTRAL ST, WINCHENDON, MA 01475-1207
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070939-252
Date	Aug 26, 2024
Book Page	70939/252
Instrument	68606

Lender

Name	ATHOL SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2044

Tax Assessment & Valuation

The 2025 property tax bill for 448 Central St was $2,721, up 2.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,721.00 (+2.22%)	$231,600 (+9.09%) Land $31,900 Building $199,700	$301,530 (+8.48%)
2024	$2,662.00 (+4.11%)	$212,300 (+11.27%) Land $30,600 Building $181,700	$277,970
2023	$2,557.00	$190,800 Land $29,900 Building $160,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA's flood maps do not cover 448 Central St.

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

Wildfire risk around 448 Central St is low, with a 0.01% annual chance of 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

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	WINCHENDON WATER DEPARTMENT serves 5,706 people · EPA ID MA2343000
Water Source	Purchased surface water from ASH/WIN JOINT WATER AUTHORITY
Last State Inspection	Dec 2024
Lead	1 ppb (2024–2026) 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 246 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

May also be available: T-Mobile.

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