Worcester County and Sturbridge Town property record for 45 Shepard Rd, Sturbridge, MA 01566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,026 sqft · built 1925 |
| Lot Size | 0.87 acres (37,897 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $225,000 (Sep 2018) |
| Tax Bill | $4,183 (2025) |
| Deeds & Mortgages | Oct 2021 Refinance Oct 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 575-03447-045 |
| Primary APN | 575-03447-045 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,026 sqft Living Area |
| Gross Area | 1,236 sqft |
| Basement Area | 722 sqft |
| Unfinished Basement | 722 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 37,897 sqft (0.87 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 575-03447-045 |
|---|---|
| Street Address | 45 SHEPARD RD |
| City | STURBRIDGE |
| State | MA |
| Zip | 01566-1108 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | 3447-45 |
| Jurisdiction | STURBRIDGE MA |
| Township / Civil Division | STURBRIDGE |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 758104 |
Source: Worcester County and Sturbridge 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 | Individual Name on Record |
|---|---|
| Mailing Address | 45 SHEPARD RD, STURBRIDGE, MA 01566-1108 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 12, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ZILLOW HOME LOANS LLC |
| Oct 12, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ZILLOW HOME LOANS LLC |
| Sep 7, 2018 | Quit Claim Deed, Transfer · Conventional Mortgage BRIDGEWATER CU |
| Sep 7, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 7, 2018 · Amount on Record |
| Deed Sale | Sep 7, 2018 · Amount on Record |
| Prior Sale | Sep 7, 2018 |
| Deed Book / Page | 59374 / 241 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STURBRIDGE MA |
| Property Address | 45 SHEPARD RD, STURBRIDGE, MA 01566-1108 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 066274-330 |
|---|---|
| Date | Oct 12, 2021 |
| Book Page | 66274/330 |
| Instrument | 143089 |
| Name | ZILLOW HOME LOANS LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STURBRIDGE MA |
| Property Address | 45 SHEPARD RD, STURBRIDGE, MA 01566-1108 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 66274-330 |
|---|---|
| Date | Oct 12, 2021 |
| Book Page | 66274/330 |
| Instrument | 143089 |
| Name | ZILLOW HOME LOANS LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | STURBRIDGE MA |
| Recording Date | Sep 7, 2018 |
| Property Address | 45 SHEPARD RD, STURBRIDGE, MA 01566-1108 |
| Document Number | 59374-241 |
| Book / Page | 059374 / 000241 |
| Instrument Date | Sep 1, 2018 |
| Instrument | 94804 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2018 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,026.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 SHEPARD RD STURBRIDGE MA 015661108, STURBRIDGE, MA 01566-1108 |
| Document Number | 59374-244 |
|---|---|
| Date | Sep 7, 2018 |
| Book Page | 059374/000244 |
| Instrument | 94805 |
| Name | BRIDGEWATER CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 6, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | STURBRIDGE MA |
| Recording Date | Sep 7, 2018 |
| Property Address | 45 SHEPARD RD, STURBRIDGE, MA 01566-1108 |
| Document Number | 59374-239 |
| Book / Page | 059374 / 000239 |
| Instrument Date | Aug 31, 2018 |
| Instrument | 94803 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 45 SHEPARD RD STURBRIDGE MA 015661108, STURBRIDGE, MA 01566-1108 |
Source: Worcester County and Sturbridge Town assessment roll, as of April 14, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,183.00 (+7.2%) | $262,600 (+10.99%) Land $104,200 Building $158,400 | $313,975 (+0.95%) |
| 2024 | $3,902.00 (+6.18%) | $236,600 (+16.32%) Land $102,300 Building $134,300 | $311,030 |
| 2023 | $3,675.00 | $203,400 Land $88,000 Building $115,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 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.
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.
Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
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