46 Grace Ln, Southbridge, MA 01550 Property Records

Worcester County and Southbridge Town City property record for 46 Grace Ln, Southbridge, MA 01550

Property Summary

Property Type	Duplex
Details	4 bd · 2.5 ba · 1,560 sqft · built 1980
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on File
Last Sale	$530,000 (Jun 2024)
Tax Bill	$5,176 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SBRI M:0071 B:0063F L:00001`

Property Details

APN / Parcel Number

Primary APN	`SBRI M:0071 B:0063F L:00001`
Alternative APN	`4576`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,560 sqft Living Area
Gross Area	4,200 sqft
1st Floor Area	1,560 sqft
Basement Area	1,536 sqft
Unfinished Basement	736 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,860 sqft (0.41 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	4576
Street Address	46 GRACE LN
City	SOUTHBRIDGE
State	MA
Zip	01550-2138
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	63F
Legal Lot Number	1
Jurisdiction	SOUTHBRIDGE MA
Township / Civil Division	SOUTHBRIDGE TOWN
Census Block Group	4
Census Block	4018
Census Tract	757500

Owner

46 Grace Ln, a duplex, is owned and occupied by two individuals who bought it in June 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	46 GRACE LN, SOUTHBRIDGE, MA 01550-2138
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Mar 14, 2024	Deed of Trust, Mortgage · ARM MONSON SAVINGS BANK
Sep 21, 2020	Deed of Trust, Mortgage · FHA Mortgage RESIDENTIAL MORTGAGE SERVICES
Aug 2, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2024 · Amount on File
Deed Sale	Jun 13, 2024 · Amount on File
Prior Sale	Aug 29, 2016 · Amount on File
Deed Document Number	202445080
Deed Book / Page	70630 / 26
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOUTHBRIDGE MA
Property Address	46 GRACE LN, SOUTHBRIDGE, MA 01550-2138
Transaction Type	Mortgage
Record Updated	Mar 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070285-236
Date	Mar 14, 2024
Book Page	70285/236
Instrument	18527

Lender

Name	MONSON SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.13%
Type Change Date	Apr 1, 2029
Index	1-Year CMT
Margin	3

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOUTHBRIDGE MA
Property Address	46 GRACE LN, SOUTHBRIDGE, MA 01550-2138
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63299-277
Date	Sep 21, 2020
Book Page	63299/277
Instrument	109120

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SOUTHBRIDGE MA
Recording Date	Aug 2, 2017
Property Address	46 GRACE LN, SOUTHBRIDGE, MA 01550-2138
Document Number	57524-94
Book / Page	57524 / 94
Instrument	83663
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$30.26
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 GRACE LN, SOUTHBRIDGE, MA 01550-2138

Tax Assessment & Valuation

The 2025 property tax bill for 46 Grace Ln was $5,176, up 14.2% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Southbridge Town City
Unified School District	Southbridge School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,176.00 (+14.24%)	$353,100 (+18.93%) Land $42,700 Building $310,400	$379,596
2024	$4,531.00 (+6.39%)	$296,900 (+10.41%) Land $35,600 Building $261,300
2023	$4,259.00	$268,900 Land $35,600 Building $233,300

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

Flood

FEMA maps place 46 Grace Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2011 · Hurricane Irene

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 Grace Ln 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOUTHBRIDGE WATER DEPARTMENT serves 19,562 people · EPA ID MA2278000
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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