46 Bristol St, Worcester, MA 01606 Property Records

Worcester County and Worcester City property record for 46 Bristol St, Worcester, MA 01606

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,212 sqft · built 1956
Lot Size	0.275 acres (12,000 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (May 2008)
Tax Bill	$4,833 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Jul 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-028-00016`

Property Details

APN / Parcel Number

Primary APN	`23-028-00016`
Alternative APN	`WORC M:23 B:028 L:00016`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,212 sqft Living Area
Gross Area	2,424 sqft
1st Floor Area	816 sqft
Basement Area	552 sqft
Unfinished Basement	552 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,000 sqft (0.275 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	23-028-00016
Street Address	46 BRISTOL ST
City	WORCESTER
State	MA
Zip	01606-1405
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Block	28
Legal Lot Number	16
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	4
Census Block	4002
Census Tract	730200

Owner

46 Bristol St is owned and occupied by two individuals who bought it in May 2008.

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

Owner of Record	2 Individual Names on File
Mailing Address	46 BRISTOL ST, WORCESTER, MA 01606-1405
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 27, 2026	Deed of Trust, Mortgage · Line of Credit
Jul 27, 2026	Quit Claim Deed, Transfer · Line of Credit MORTGAGE MORTGAGE
Dec 14, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2008 · Amount on File
Deed Sale	May 30, 2008 · Amount on File
Prior Sale	Oct 27, 2003 · Amount on File
Deed Document Number	200861312
Deed Book / Page	42908 / 170
Transfer Doc	54402-251
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Recording Date	Jul 27, 2026
Property Address	46 BRISTOL ST, WORCESTER, MA 01606-1405
Document Number	0000063801
Book / Page	73939 / 237
Instrument Date	May 14, 2026
Instrument	202663801
Transaction Type	Mortgage
Record Updated	Aug 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 BRISTOL ST, WORCESTER, MA 01606-1405

Mortgage

Document Number	0000063801,
Date	Jul 27, 2026
Book Page	73939/237
Instrument	202663801

Lender

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	999 Months
Due	Aug 1, 2110

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Max Rate	-1%

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Jul 27, 2026
Property Address	46 BRISTOL ST, WORCESTER, MA 01606-1405
Document Number	0000063799
Book / Page	73939 / 219
Instrument Date	May 14, 2026
Instrument	202663799
Transaction Type	Transfer
Record Updated	Aug 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	46 BRISTOL ST, WORCESTER, MA 01606-1405

Mortgage

Date	Jul 27, 2026

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months

Interest

Rate Type	Adjustable Rate
Rate	6.52%
Initial Type	Adjustable Rate
Max Rate	-1%

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	46 BRISTOL ST, WORCESTER, MA 01606-1405
Transaction Type	Mortgage
Record Updated	Dec 30, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068604-99
Date	Dec 14, 2022
Book Page	68604/99
Instrument	131905

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Tax Assessment & Valuation

The 2026 property tax bill for 46 Bristol St was $4,833, up 2.4% 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	$4,833.00 (+2.37%)	$363,900 (+1.68%) Land $124,800 Building $239,100	$402,928 (+12.74%)
2025	$4,721.00	$357,900 Land $118,800 Building $239,100	$357,390 (+3.69%)
2024			$344,660
2023	$4,438.00	$309,500 Land $103,300 Building $206,200

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

Flood

FEMA maps place 46 Bristol 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

Wildfire risk around 46 Bristol St 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	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 100 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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