46 Main St, Holden, MA 01520 Property Records

Worcester County and Holden Town property record for 46 Main St, Holden, MA 01520

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,524 sqft · built 1988
Owner	Individual Name on File
Last Sale	$253,000 (Dec 2018)
Tax Bill	$4,669 (2025)
Deeds & Mortgages	Oct 2020 Refinance Dec 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HOLD M:238 B:503`

Property Details

APN / Parcel Number

Primary APN	`HOLD M:238 B:503`
Alternative APNs	`M:00238 P:00503` `10917`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,524 sqft Living Area
Gross Area	2,430 sqft
1st Floor Area	762 sqft
Basement Area	426 sqft
Unfinished Basement	426 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Condo/Apartment

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	10917
Street Address	46 MAIN ST
City	HOLDEN
State	MA
Zip	01520-1782
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Subdivision	VALLEY ESTATES CONDO
Legal Block	503
Jurisdiction	HOLDEN MA
Township / Civil Division	HOLDEN
Census Block Group	4
Census Block	4003
Census Tract	728200

Owner

46 Main St, a condominium, is owned and occupied by an individual who bought it in December 2018.

Source: Worcester County and Holden Town records, as of April 14, 2026

Owner of Record	Individual Name on File
Mailing Address	46 MAIN ST, HOLDEN, MA 01520-1782
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 13, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance SANTANDER BANK NA
Dec 14, 2018	Condominium Deed, Transfer · Conventional Mortgage MORTGAGE NTWK
Feb 28, 2018	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2018 · Amount on File
Deed Sale	Dec 14, 2018 · Amount on File
Prior Sale	Feb 28, 2018 · Amount on File
Prior Transfer Date	Dec 13, 2018
Prior Transfer Doc	59826-5
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	46 MAIN ST, HOLDEN, MA 01520-1782
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	MISC COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	063474-220
Date	Oct 13, 2020
Book Page	63474/220
Instrument	120849

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

December 2018: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	HOLDEN MA
Recording Date	Dec 14, 2018
Property Address	46 MAIN ST, HOLDEN, MA 01520-1782
Document Number	59826-5
Book / Page	059826 / 000005
Instrument Date	Dec 13, 2018
Instrument	132835
Transaction Type	Transfer
Record Updated	Jan 2, 2019

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,153.68
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 MAIN ST #UT3 HOLDEN MA 015201782, HOLDEN, MA 01520-1782

Mortgage

Document Number	59826-8
Date	Dec 14, 2018
Book Page	059826/000008
Instrument	132836

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 13, 2048

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLDEN MA
Recording Date	Feb 28, 2018
Property Address	46 MAIN ST, HOLDEN, MA 01520-1782
Document Number	58488-229
Book / Page	058488 / 000229
Instrument Date	Feb 16, 2018
Instrument	19337
Transaction Type	Transfer
Record Updated	Mar 20, 2018

Transaction

Amount	Amount on Record
Tax	$964.44
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 MAIN ST #3 HOLDEN MA 015201782, 3, HOLDEN, MA 01520-1782

Tax Assessment & Valuation

The 2025 property tax bill for 46 Main St was $4,669, up 10.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,669.00 (+10.07%)	$336,900 (+12.37%) Building $336,900	$384,750
2024	$4,242.00 (+6.96%)	$299,800 (+13.3%) Building $299,800
2023	$3,966.00	$264,600 Building $264,600

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

Flood

FEMA maps place 46 Main St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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	2 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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 Main St is low, with less than 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 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 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	HOLDEN WATER DIVISION, DPW serves 18,016 people · EPA ID MA2134000
Water Source	Purchased surface water from WORCESTER DPWP, WATER SUPPLY DIVISION
Last State Inspection	Nov 2024
Lead	3 ppb (2023–2025) 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 345 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Netafy, Ripple Fiber, T-Mobile.

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