45 Andover St, Worcester, MA 01606 Property Records

Worcester County and Worcester City property record for 45 Andover St, Worcester, MA 01606

Property Summary

Property Type	Triplex
Details	9 bd · 3 ba · 3,937 sqft · built 1916
Lot Size	0.169 acres (7,375 sqft)
Owner	Individual Name on Record
Last Sale	$630,000 (Oct 2023)
Tax Bill	$8,753 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-006-00004`

Property Details

APN / Parcel Number

Primary APN	`12-006-00004`
Alternative APN	`WORC M:12 B:006 L:00004`

Interior

Bedrooms	9 Beds
Full Baths	3 Baths
Total Rooms	18 Rooms
Units	3 Units
Stories	3 Stories
Building Area	3,937 sqft Living Area
Gross Area	7,579 sqft
1st Floor Area	1,371 sqft
Attic	Attic
Attic Area	1,283 sqft
Basement Area	1,499 sqft
Unfinished Basement	1,499 sqft

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,375 sqft (0.169 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Steam

Location & Zoning

Account Number	12-006-00004
Street Address	45 ANDOVER ST
City	WORCESTER
State	MA
Zip	01606-2175
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	RG-5
Legal Block	6
Legal Lot Number	4
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	1
Census Block	1010
Census Tract	730300

Owner

Source: Worcester County and Worcester City records, as of October 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	27 COMMODORE RD, WORCESTER, MA 01602-2704
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE BANK
Oct 13, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CORNERSTONE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2023 · Amount on Record
Deed Sale	Oct 13, 2023 · Amount on Record
Prior Sale	Sep 25, 2014
Deed Document Number	202385635
Deed Book / Page	69758 / 114
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Recording Date	Apr 10, 2026
Property Address	45 ANDOVER ST, WORCESTER, MA 01606-2175
Document Number	0073432-77
Book / Page	73432 / 77
Instrument Date	Apr 10, 2026
Instrument	202627708
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 ANDOVER ST, WORCESTER, MA 01606-2175

Mortgage

Document Number	0000027708,
Date	Apr 10, 2026
Book Page	73432/77
Instrument	202627708

Lender

Name	CORNERSTONE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Oct 13, 2023
Property Address	45 ANDOVER ST, WORCESTER, MA 01606-2175
Document Number	069758-114
Book / Page	69758 / 114
Instrument Date	Oct 13, 2023
Instrument	85635
Transaction Type	Transfer
Record Updated	Oct 27, 2023

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
Address	27 COMMODORE RD, WORCESTER, MA 01602-2704

Mortgage

Document Number	0000085636
Date	Oct 13, 2023
Instrument	85636

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	Nov 1, 2030
Max Rate At Change	2.75%
Index	3-Year CMT

Tax Assessment & Valuation

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
2026	$8,753.00 (-6.56%)	$659,100 (-7.2%) Land $123,600 Building $535,500
2025	$9,368.00 (+12.47%)	$710,200 (+22.28%) Land $117,700 Building $592,500
2023	$8,329.00	$580,800 Land $102,300 Building $478,500

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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

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 391 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
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Netafy.

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