45 Hutchinson Rd, Sutton, MA 01590 Property Records

Worcester County and Sutton Town property record for 45 Hutchinson Rd, Sutton, MA 01590

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,139 sqft · built 1991
Lot Size	3.55 acres (154,923 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,000 (Nov 2012)
Tax Bill	$8,781 (2025)
Deeds & Mortgages	May 2022 Refinance Mar 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SUTT M:0022 P:111`

Property Details

APN / Parcel Number

Primary APN	`SUTT M:0022 P:111`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,139 sqft Living Area
Gross Area	5,516 sqft
1st Floor Area	2,019 sqft
Basement Area	1,260 sqft
Unfinished Basement	1,260 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	154,923 sqft (3.55 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	45 HUTCHINSON RD
City	SUTTON
State	MA
Zip	01590-1847
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Jurisdiction	SUTTON MA
Township / Civil Division	SUTTON
Census Block Group	1
Census Block	1011
Census Tract	751102

Owner

Source: Worcester County and Sutton Town records, as of July 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 HUTCHINSON RD, SUTTON, MA 01590-1847
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK
Mar 6, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MILLBURY CU
Mar 6, 2020	Deed of Trust, Mortgage · Balloon Mortgage MILLBURY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2012 · Amount on Record
Deed Sale	Nov 2, 2012 · Amount on Record
Prior Sale	May 1, 1996 · Amount on Record
Deed Book / Page	49899 / 307
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUTTON MA
Property Address	45 HUTCHINSON RD, SUTTON, MA 01590-1847
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067667-126
Date	May 31, 2022
Book Page	67667/126
Instrument	58574

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2042

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUTTON MA
Property Address	45 HUTCHINSON RD, SUTTON, MA 01590-1847
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62007-96
Date	Mar 6, 2020
Book Page	62007/96
Instrument	24240

Lender

Name	MILLBURY CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUTTON MA
Property Address	45 HUTCHINSON RD, SUTTON, MA 01590-1847
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62007-112
Date	Mar 6, 2020
Book Page	62007/112
Instrument	24241

Lender

Name	MILLBURY CU
Type	Credit Union

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,781.00 (+0.21%)	$730,500 (+5.7%) Land $182,400 Building $548,100	$849,585 (+8.6%)
2024	$8,763.00 (+3.69%)	$691,100 (+13.26%) Land $172,800 Building $518,300	$782,325
2023	$8,451.00	$610,200 Land $157,700 Building $452,500

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
Nearby Flood Policies	5 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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880

Cell Coverage

5G and 4G LTE (outdoors only)

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