45 Midland St, Worcester, MA 01602 Property Records

Worcester County and Worcester City property record for 45 Midland St, Worcester, MA 01602

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,314 sqft · built 1920
Lot Size	0.188 acres (8,200 sqft)
Owner	2 Individual Names on File
Last Sale	$453,000 (Oct 2021)
Tax Bill	$6,621 (2026)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Jun 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-016-00023`

Property Details

APN / Parcel Number

Primary APN	`11-016-00023`
Alternative APN	`WORC M:11 B:016 L:00023`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,314 sqft Living Area
Gross Area	4,520 sqft
1st Floor Area	1,326 sqft
Attic	Attic
Attic Area	988 sqft
Basement Area	1,186 sqft
Unfinished Basement	1,186 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Brick
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	8,200 sqft (0.188 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	11-016-00023
Street Address	45 MIDLAND ST
City	WORCESTER
State	MA
Zip	01602-4216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Block	16
Legal Lot Number	23
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	2
Census Block	2010
Census Tract	730802

Owner

45 Midland St is owned and occupied by two individuals who bought it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	45 MIDLAND ST, WORCESTER, MA 01602-4216
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 29, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MORTGAGE NETWORK INC
Jun 12, 2017	Deed of Trust, Mortgage HOWARD BANK
Feb 1, 2018	Quit Claim Deed, Transfer WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2021 · Amount on File
Deed Sale	Oct 29, 2021 · Amount on File
Prior Sale	Feb 1, 2018 · Amount on File
Deed Book / Page	66417 / 77
Record Updated	Oct 29, 2026

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Oct 29, 2021
Property Address	45 MIDLAND ST, WORCESTER, MA 01602-4216
Document Number	66417-77
Book / Page	66417 / 77
Instrument Date	Oct 29, 2021
Instrument	152611
Transaction Type	Transfer
Record Updated	Nov 19, 2021

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
Relationship	Joint Tenants
Address	45 MIDLAND ST, WORCESTER, MA 01602-4216

Mortgage

Document Number	152612
Date	Oct 29, 2021
Instrument	152612

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	45 MIDLAND ST, WORCESTER, MA 01602-4216
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57243-252
Date	Jun 12, 2017
Book Page	57243/252
Instrument	59859

Lender

Name	HOWARD BANK

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Feb 1, 2018
Property Address	45 MIDLAND ST, WORCESTER, MA 01602-4216
Document Number	58396-91
Book / Page	58396 / 91
Instrument	10988
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$53.97
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 MIDLAND ST, WORCESTER, MA 01602-4216

Mortgage

Document Number	583960093
Date	Feb 1, 2018
Instrument	58396/0093

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 45 Midland St was $6,621, up 2.7% 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	$6,621.00 (+2.67%)	$498,600 (+1.98%) Land $123,900 Building $374,700	$583,810 (-13.91%)
2025	$6,449.00	$488,900 Land $118,000 Building $370,900	$678,110 (+20.01%)
2024			$565,060
2023	$6,080.00	$424,000 Land $102,600 Building $321,400

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

Flood

FEMA maps place 45 Midland St in Zone X, an area of minimal flood risk.

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	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

The area around 45 Midland St 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 348 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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