45 Bay State Rd, Worcester, MA 01606 Property Records

Worcester County and Worcester City property record for 45 Bay State Rd, Worcester, MA 01606

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,694 sqft · built 1920
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$510,000 (Jul 2026)
Tax Bill	$5,571 (2026)
Deeds & Mortgages	Jul 2026 Sale Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`36-011-00172`

Property Details

APN / Parcel Number

Primary APN	`36-011-00172`
Alternative APN	`WORC M:36 B:011 L:00172`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,694 sqft Living Area
Gross Area	3,596 sqft
1st Floor Area	911 sqft
Attic	Attic
Attic Area	783 sqft
Basement Area	815 sqft
Unfinished Basement	815 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,000 sqft (0.138 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	36-011-00172
Street Address	45 BAY STATE RD
City	WORCESTER
State	MA
Zip	01606-2152
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Block	11
Legal Lot Number	172
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	5
Census Block	5010
Census Tract	730200

Owner

45 Bay State Rd is owned and occupied by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	45 BAY STATE RD, WORCESTER, MA 01606-2152
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 21, 2026	Quit Claim Deed, Transfer
Dec 22, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2026 · Amount on File
Deed Sale	Jul 21, 2026 · Amount on File
Prior Sale	Dec 22, 2021 · Amount on File
Deed Document Number	202661721
Deed Book / Page	73910 / 219
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Jul 21, 2026
Property Address	45 BAY STATE RD, WORCESTER, MA 01606-2152
Document Number	0000061721
Book / Page	73910 / 219
Instrument Date	Jul 15, 2026
Instrument	202661721
Transaction Type	Transfer
Record Updated	Aug 31, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	45 BAY STATE RD, WORCESTER, MA 01606-2152

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Dec 22, 2021
Property Address	45 BAY STATE RD, WORCESTER, MA 01606-2152
Document Number	066808-250
Book / Page	66808 / 250
Instrument Date	Dec 22, 2021
Instrument	179023
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	45 BAY STATE RD, WORCESTER, MA 01606-2152

Mortgage

Document Number	0000179024
Date	Dec 22, 2021
Instrument	179024

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 45 Bay State Rd was $5,571, up 7.4% 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	$5,571.00 (+7.42%)	$419,500 (+6.69%) Land $113,300 Building $306,200	$482,244 (+4.49%)
2025	$5,186.00	$393,200 Land $107,900 Building $285,300	$461,510 (+2.42%)
2024			$450,585
2023	$4,765.00	$332,300 Land $93,800 Building $238,500

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

Flood

FEMA maps place 45 Bay State Rd 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 45 Bay State Rd 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 601 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Netafy, T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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