45 Colby Ave, Worcester, MA 01605 Property Records

Worcester County and Worcester City property record for 45 Colby Ave, Worcester, MA 01605

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,260 sqft · built 1950
Lot Size	0.194 acres (8,440 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Dec 2020)
Tax Bill	$4,821 (2026)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`39-016-00597`

Property Details

APN / Parcel Number

Primary APN	`39-016-00597`
Alternative APN	`WORC M:39 B:016 L:00597`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,260 sqft Living Area
Gross Area	2,340 sqft
1st Floor Area	900 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,440 sqft (0.194 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	39-016-00597
Street Address	45 COLBY AVE
City	WORCESTER
State	MA
Zip	01605-2218
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Block	16
Legal Lot Number	597
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	2
Census Block	2026
Census Tract	732002

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	2 Individual Names on Record
Mailing Address	45 COLBY AVE, WORCESTER, MA 01605-2218
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2020 · Amount on Record
Deed Sale	Dec 31, 2020 · Amount on Record
Deed Document Number	2020117151
Prior Transfer Date	Dec 16, 2020
Prior Transfer Doc	117151
Record Updated	Oct 29, 2026

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Dec 31, 2020
Property Address	45 COLBY AVE, WORCESTER, MA 01605-2218
Document Number	0000117151
Instrument Date	Dec 16, 2020
Instrument	117151
Transaction Type	Transfer
Record Updated	Jan 19, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,345.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 COLBY AVE WORCESTER MA 016052218, WORCESTER, MA 01605-2218

Mortgage

Document Number	117152
Date	Dec 31, 2020
Instrument	117152

Lender

Name	TOTAL MTG SVCS
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 30, 2050

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	Assessed Market Value
2026	$4,821.00 (+2.36%)	$363,000 (+1.65%) Land $124,000 Building $239,000	$422,642 (+6.36%)
2025	$4,710.00 (+6.46%)	$357,100 (+15.75%) Land $118,100 Building $239,000	$397,385 (+1.73%)
2024			$390,640
2023	$4,424.00	$308,500 Land $102,700 Building $205,800

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 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force

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.

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 238 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: Verizon.

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