45 Emerald Rd, Rutland, MA 01543 Property Records

Worcester County and Rutland Town property record for 45 Emerald Rd, Rutland, MA 01543 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,604 sqft · built 2024
Lot Size	2.03 acres (88,427 sqft)
Owner	Individual Name on File
Last Sale	$675,000 (Mar 2024)
Tax Bill	$8,478 (2025)
Deeds & Mortgages	Sep 2023 Refinance Mar 2024 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:0033 L:C-2.05`

Property Details

APN / Parcel Number

Primary APN	`M:0033 L:C-2.05`
Alternative APN	`RUTL M:33 B:C L:2.05`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,604 sqft Living Area

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	88,427 sqft (2.03 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	45 EMERALD RD
City	RUTLAND
State	MA
Zip	01543-1539
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	C
Legal Lot Number	2.05
Jurisdiction	RUTLAND MA
Township / Civil Division	RUTLAND
Census Block Group	2
Census Block	2022
Census Tract	721104

Owner

Source: Worcester County and Rutland Town records · APN M:0033 L:C-2.05

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	45 EMERALD RD, RUTLAND, MA 01543-1539
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Sep 08, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance PROBUILDER FINANCIAL LLC
Mar 22, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ENVOY MORTGAGE LTD
Apr 04, 2023	Deed, Transfer
Apr 15, 2021	Quit Claim Deed, Transfer Quitclaim
Apr 08, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 22, 2024 · Amount on Record
Deed Sale	Mar 22, 2024 · Amount on Record
Prior Sale	Apr 04, 2023 · Amount on Record
Deed Document Number	202420823
Deed Book / Page	70316 / 28
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTLAND MA
Property Address	45 EMERALD RD, RUTLAND, MA 01543-1539
Transaction Type	Mortgage
Record Updated	May 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069620-277
Date	Sep 08, 2023
Book Page	69620/277
Instrument	74863

Lender

Name	PROBUILDER FINANCIAL LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

March 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RUTLAND MA
Recording Date	Mar 22, 2024
Property Address	45 EMERALD RD, RUTLAND, MA 01543-1539
Document Number	0070316-28
Book / Page	70316 / 28
Instrument Date	Mar 22, 2024
Instrument	20823
Transaction Type	Transfer
Record Updated	May 21, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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 EMERALD RD, RUTLAND, MA 01543-1539

Mortgage

Document Number	0000020824
Date	Mar 22, 2024
Instrument	20824

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	RUTLAND MA
Recording Date	Apr 04, 2023
Property Address	45 EMERALD RD, RUTLAND, MA 01543-1539
Document Number	068985-312
Book / Page	68985 / 312
Instrument Date	Mar 07, 2023
Instrument	25818
Transaction Type	Transfer
Record Updated	May 21, 2024

Transaction

Amount	Amount Recorded
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	42 GRANBY RD, WORCESTER, MA 01604-1646

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RUTLAND MA
Recording Date	Apr 15, 2021
Property Address	45 EMERALD RD, RUTLAND, MA 01543-1539
Document Number	0064943-95
Book / Page	64943 / 95
Instrument Date	Apr 10, 2021
Instrument	52075
Transaction Type	Transfer
Record Updated	May 21, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 WILLIE NICK WAY, DENNIS, MA 02638-1823

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RUTLAND MA
Recording Date	Apr 08, 2021
Property Address	45 EMERALD RD, RUTLAND, MA 01543-1539
Document Number	064889-106
Book / Page	64889 / 106
Instrument Date	Mar 17, 2021
Instrument	48549
Transaction Type	Transfer
Record Updated	May 21, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 WILLIE NICK WAY, DENNIS, MA 02638-1823

Tax Assessment & Valuation

Source: Worcester County and Rutland Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,478.00 (+379.52%)	$595,400 (+399.5%) Land $99,000 Building $496,400	$675,070 (+7.83%)
2024	$1,768.00 (+43.62%)	$119,200 (+32.89%) Land $95,100 Building $24,100	$626,050
2023	$1,231.00	$89,700 Land $89,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277211042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 32 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 50

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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