45 Hemlock St, Douglas, MA 01516 Property Records

Worcester County and Douglas Town property record for 45 Hemlock St, Douglas, MA 01516

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,532 sqft · built 2023
Lot Size	6.27 acres (273,121 sqft)
Owner	Individual Name on Record
Tax Bill	$9,492 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`56-40`

Property Details

APN / Parcel Number

Primary APN	`56-40`
Alternative APN	`DOUG M:0287 B:00011.3 L`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,532 sqft Living Area
Gross Area	4,416 sqft
Basement Area	1,548 sqft
Unfinished Basement	1,548 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	273,121 sqft (6.27 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	56-40
Street Address	45 HEMLOCK ST
City	DOUGLAS
State	MA
Zip	01516-2723
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	11.3
Jurisdiction	DOUGLAS MA
Township / Civil Division	DOUGLAS
Census Block Group	2
Census Block	2039
Census Tract	752102

Owner

Source: Worcester County and Douglas Town 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	45 HEMLOCK ST, DOUGLAS, MA 01516-2723
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2025	Quit Claim Deed, Transfer FREEDOM MORTGAGE CORP
Oct 3, 2022	Deed, Transfer · Stand-Alone Refinance BRISTOL COUNTY SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 24, 2025
Transfer Doc	072742-346
Record Updated	Oct 29, 2026

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DOUGLAS MA
Recording Date	Oct 29, 2025
Property Address	45 HEMLOCK ST, DOUGLAS, MA 01516-2723
Document Number	072742-346
Book / Page	72742 / 346
Instrument Date	Oct 24, 2025
Instrument	93513
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 HEMLOCK ST, DOUGLAS, MA 01516-2723

Mortgage

Document Number	0000093514
Date	Oct 29, 2025
Instrument	93514

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Jan 1, 2031
Index	1-Year CMT

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	DOUGLAS MA
Recording Date	Oct 3, 2022
Property Address	45 HEMLOCK ST, DOUGLAS, MA 01516-2723
Document Number	068298-257
Book / Page	68298 / 257
Instrument Date	Sep 29, 2022
Instrument	107777
Transaction Type	Transfer
Record Updated	Jan 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	490 BLACKSTONE ST, UXBRIDGE, MA 01569-1994

Mortgage

Document Number	0000107778
Date	Oct 3, 2022
Instrument	107778

Lender

Name	BRISTOL COUNTY SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	373 Months
Due	Nov 1, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,492.00 (+1.28%)	$786,400 (+10.51%) Land $129,300 Building $651,900	$802,240 (+41.05%)
2025	$9,372.00 (+554.01%)	$711,600 (+571.32%) Land $116,600 Building $595,000	$568,765
2024	$1,433.00 (-5.85%)	$106,000 (-) Land $106,000
2023	$1,522.00	$106,000 Land $106,000

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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