45 School House Rd, Phillipston (Athol), MA 01331 Property Records

Worcester County and Phillipston Town property record for 45 School House Rd, Phillipston, MA 01331

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 906 sqft · built 1979
Lot Size	1.03 acres (44,866 sqft)
Owner	2 Individual Names on File
Last Sale	$180,000 (Aug 2007)
Tax Bill	$3,182 (2026)
Deeds & Mortgages	Oct 2025 Second Mortgage Mar 2024 Mortgage + 1 more
APN	`PHIL M:00047 L:0004C`

Property Details

APN / Parcel Number

Primary APN	`PHIL M:00047 L:0004C`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	906 sqft Living Area
Gross Area	2,112 sqft
Basement Area	874 sqft
Unfinished Basement	874 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	44,866 sqft (1.03 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	45 SCHOOL HOUSE RD
City	PHILLIPSTON
State	MA
Zip	01331-9778
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	4C
Jurisdiction	PHILLIPSTON MA
Township / Civil Division	PHILLIPSTON
Census Block Group	1
Census Block	1008
Census Tract	704201

Owner

45 School House Rd is owned and occupied by two individuals who bought it in August 2007.

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

Owner of Record	2 Individual Names on File
Mailing Address	45 SCHOOL HOUSE RD, PHILLIPSTON, MA 01331-9778
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 8, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage WORKERS CU
Mar 7, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) WORKERS CU
Mar 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage WORKERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2007 · Amount on File
Deed Sale	Aug 31, 2007 · Amount on File
Prior Sale	Jul 24, 1998 · Amount on File
Deed Document Number	2007116380
Deed Book / Page	41740 / 246
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PHILLIPSTON MA
Property Address	45 SCHOOL HOUSE RD, PHILLIPSTON, MA 01331-9778
Transaction Type	Mortgage
Record Updated	Oct 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072647-137
Date	Oct 8, 2025
Book Page	72647/137
Instrument	86803

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2045

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PHILLIPSTON MA
Property Address	45 SCHOOL HOUSE RD, PHILLIPSTON, MA 01331-9778
Transaction Type	Mortgage
Record Updated	Mar 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070261-381
Date	Mar 7, 2024
Book Page	70261/381
Instrument	16552

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2044

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PHILLIPSTON MA
Property Address	45 SCHOOL HOUSE RD, PHILLIPSTON, MA 01331-9778
Document Number	60176-221
Instrument Date	Mar 11, 2019
Transaction Type	Mortgage
Record Updated	Apr 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 SCHOOL HOUSE RD PHILLIPSTON MA 013319778, PHILLIPSTON, MA 01331-9778

Mortgage

Document Number	60176-221
Date	Mar 21, 2019
Book Page	060176/000221
Instrument	24749

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Mar 20, 2029

Tax Assessment & Valuation

The 2026 property tax bill for 45 School House Rd was $3,182, up 2.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,182.00 (+2.81%)	$290,600 (+5.83%) Land $49,600 Building $241,000	$277,210 (-)
2025	$3,095.00 (+10.46%)	$274,600 (+17.4%) Land $46,000 Building $228,600	$277,210 (+16.95%)
2024	$2,802.00 (+4.4%)	$233,900 (+11.91%) Land $44,000 Building $189,900	$237,025
2023	$2,684.00	$209,000 Land $44,000 Building $165,000

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

Flood

FEMA's flood maps do not cover 45 School House Rd; 2 flood insurance policies are in force nearby.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
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

Wildfire risk around 45 School House Rd is low, with a 0.01% annual chance of 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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

Cell Coverage

5G and 4G LTE (outdoors only)

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