45 Rowena St, Worcester, MA 01606 Property Records

Worcester County and Worcester City property record for 45 Rowena St, Worcester, MA 01606

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,714 sqft · built 1949
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Mar 2021)
Tax Bill	$5,321 (2026)
Deeds & Mortgages	Mar 2024 Line of Credit Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`36-003-00082`

Property Details

APN / Parcel Number

Primary APN	`36-003-00082`
Alternative APN	`WORC M:36 B:003 L:00082`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,714 sqft Living Area
Gross Area	3,788 sqft
1st Floor Area	1,234 sqft
Basement Area	206 sqft
Unfinished Basement	206 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,500 sqft (0.172 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	36-003-00082
Street Address	45 ROWENA ST
City	WORCESTER
State	MA
Zip	01606-1632
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Block	3
Legal Lot Number	82
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3003
Census Tract	730200

Owner

Source: Worcester County and Worcester City 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 ROWENA ST, WORCESTER, MA 01606-1632
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2024	Deed of Trust, Mortgage · Line of Credit CENTRAL ONE FEDERAL CREDIT UNION
Mar 31, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CENTRAL ONE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2021 · Amount on Record
Deed Sale	Mar 31, 2021 · Amount on Record
Prior Sale	Dec 14, 2015 · Amount on Record
Deed Book / Page	64820 / 365
Prior Transfer Date	Mar 30, 2021
Prior Transfer Doc	64820-365
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	45 ROWENA ST, WORCESTER, MA 01606-1632
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070294-141
Date	Mar 18, 2024
Book Page	70294/141
Instrument	19167

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Mar 31, 2021
Property Address	45 ROWENA ST, WORCESTER, MA 01606-1632
Document Number	064820-365
Book / Page	64820 / 365
Instrument Date	Mar 30, 2021
Instrument	44179
Transaction Type	Transfer
Record Updated	Jan 26, 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 ROWENA ST, WORCESTER, MA 01606-1632

Mortgage

Document Number	0000044180
Date	Mar 31, 2021
Instrument	44180

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Apr 1, 2036
Max Rate At Change	2.88%
Index	5-Year CMT

Tax Assessment & Valuation

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	$5,321.00 (+2.19%)	$400,700 (+1.49%) Land $123,600 Building $277,100	$437,566 (+12.81%)
2025	$5,207.00 (+6.33%)	$394,800 (+15.61%) Land $117,700 Building $277,100	$387,885 (-12.04%)
2024			$440,990
2023	$4,897.00	$341,500 Land $102,400 Building $239,100

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	None beyond 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 441 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Verizon.

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