45 River Rd, Sturbridge, MA 01566 Property Records

Worcester County and Sturbridge Town property record for 45 River Rd, Sturbridge, MA 01566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,652 sqft · built 1989
Lot Size	1.07 acres (46,609 sqft)
Owner	Individual Name on Record
Last Sale	$685,000 (Jul 2026)
Tax Bill	$7,886 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`545-03813-045`

Property Details

APN / Parcel Number

Primary APN	`545-03813-045`
Alternative APNs	`STUR M:545 B:000 L:3813-045` `M:545 B:000 L:3813=045`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,652 sqft Living Area
Gross Area	5,192 sqft
Basement Area	1,508 sqft
Unfinished Basement	1,508 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	46,609 sqft (1.07 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	545-03813-045
Street Address	45 RIVER RD
City	STURBRIDGE
State	MA
Zip	01566-1410
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	LAND MILLVILLE
Legal Lot Number	3813-45
Jurisdiction	STURBRIDGE MA
Township / Civil Division	STURBRIDGE
Census Block Group	1
Census Block	1038
Census Tract	758101

Owner

Source: Worcester County and Sturbridge 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 RIVER RD, STURBRIDGE, MA 01566-1410
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE
Oct 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Mar 20, 2019	Quit Claim Deed, Transfer · Conventional Mortgage QUAD CTY BK&TR
Mar 20, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2026 · Amount on Record
Deed Sale	Jul 10, 2026 · Amount on Record
Prior Sale	Aug 24, 2007 · Amount on Record
Deed Document Number	202657841
Deed Book / Page	73855 / 77
Prior Transfer Date	Mar 11, 2019
Prior Transfer Doc	60172-138
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STURBRIDGE MA
Recording Date	Jul 10, 2026
Property Address	45 RIVER RD, STURBRIDGE, MA 01566-1410
Document Number	0000057841
Book / Page	73855 / 77
Instrument Date	Jun 24, 2026
Instrument	202657841
Transaction Type	Transfer
Record Updated	Jul 29, 2026

Transaction

Amount	Amount Recorded
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
Address	45 RIVER RD, STURBRIDGE, MA 01566-1410

Mortgage

Date	Jul 10, 2026

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.53%
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STURBRIDGE MA
Property Address	45 RIVER RD, STURBRIDGE, MA 01566-1410
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066307-134
Date	Oct 15, 2021
Book Page	66307/134
Instrument	145421

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STURBRIDGE MA
Recording Date	Mar 20, 2019
Property Address	45 RIVER RD, STURBRIDGE, MA 01566-1410
Document Number	60172-138
Book / Page	060172 / 000138
Instrument Date	Mar 11, 2019
Instrument	24343
Transaction Type	Transfer
Record Updated	Apr 10, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45 RIVER RD STURBRIDGE MA 015661410, STURBRIDGE, MA 01566-1410

Mortgage

Document Number	60172-142
Date	Mar 20, 2019
Book Page	060172/000142
Instrument	24344

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 19, 2034

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STURBRIDGE MA
Recording Date	Mar 20, 2019
Property Address	45 RIVER RD, STURBRIDGE, MA 01566-1410
Document Number	60172-125
Book / Page	060172 / 000125
Instrument Date	Dec 31, 2010
Instrument	24340
Transaction Type	Transfer
Record Updated	Apr 9, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 RIVER RD STURBRIDGE MA 015661410, STURBRIDGE, MA 01566-1410

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Sturbridge Town
Elementary School District	Sturbridge School District (PK - 06)
Secondary School District	Tantasqua School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,886.00 (+3%)	$505,500 (+5.18%) Land $88,300 Building $417,200	$650,288 (+17.53%)
2025	$7,656.00 (-1.14%)	$480,600 (+2.34%) Land $84,800 Building $395,800	$553,280 (+6.69%)
2024	$7,744.00 (+6.02%)	$469,600 (+16.18%) Land $83,000 Building $386,600	$518,605
2023	$7,304.00	$404,200 Land $72,100 Building $332,100

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 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 18 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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