46 Vincent Cir, Worcester, MA 01604 Property Records

Worcester County and Worcester City property record for 46 Vincent Cir, Worcester, MA 01604

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,248 sqft · built 1989
Lot Size	0.093 acres (4,033 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Feb 2026)
Tax Bill	$4,343 (2026)
Deeds & Mortgages	Feb 2026 Second Mortgage Feb 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44-15A-0014B`

Property Details

APN / Parcel Number

Primary APN	`44-15A-0014B`
Alternative APN	`WORC M:44 B:15A L:0014B`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,248 sqft Living Area
Gross Area	1,972 sqft
1st Floor Area	624 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1990
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,033 sqft (0.093 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	44-15A-0014B
Street Address	46 VINCENT CIR
City	WORCESTER
State	MA
Zip	01604-3462
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Subdivision	VINCENT CIRCLE
Legal Block	15A
Legal Lot Number	14B
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	1
Census Block	1009
Census Tract	732802

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	46 VINCENT CIR, WORCESTER, MA 01604-3462
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TOTAL MORTGAGE SERVICES LLC
Feb 2, 2026	Quit Claim Deed, Transfer · Conventional Mortgage TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2026 · Amount on Record
Deed Sale	Feb 2, 2026 · Amount on Record
Prior Sale	Nov 1, 1996 · Amount on Record
Deed Document Number	20268197
Deed Book / Page	73151 / 310
Prior Transfer Date	Jan 30, 2026
Prior Transfer Doc	073151-310
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	46 VINCENT CIR, WORCESTER, MA 01604-3462
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	073151-330
Date	Feb 2, 2026
Book Page	73151/330
Instrument	8199

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2041

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Feb 2, 2026
Property Address	46 VINCENT CIR, WORCESTER, MA 01604-3462
Document Number	073151-310
Book / Page	73151 / 310
Instrument Date	Jan 30, 2026
Instrument	8197
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	46 VINCENT CIR, WORCESTER, MA 01604-3462

Mortgage

Document Number	0000008198
Date	Feb 2, 2026
Instrument	8198

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Tax Assessment & Valuation

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	$4,343.00 (+4.85%)	$327,000 (+4.14%) Land $88,500 Building $238,500	$366,817
2025	$4,142.00 (+8.94%)	$314,000 (+18.45%) Land $84,300 Building $229,700
2023	$3,802.00	$265,100 Land $73,300 Building $191,800

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

Flood

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1978–2000)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Oct 2000 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 92% 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	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 240 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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