46 W River St, Upton, MA 01568 Property Records

Worcester County and Upton Town property record for 46 W River St, Upton, MA 01568 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1.5 Baths
Year Built	Built 1989
Square Footage	3,797 sqft Living Area
Lot Size	88,862 sqft (2.04 acres)
Occupancy	Owner Occupied
Last Sale	$815,000 (2023)
Tax Bill	$10,627.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`UPTO M:024 L:092`
Alternative APNs	`M:024 B:L:092` `1805`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	4 Rooms
Building Area	3,797 sqft Living Area
Gross Area	6,940 sqft Gross Area
1st Floor	1,440 sqft 1st Floor
Attic Area	299 sqft Attic
Attic	1 Attic
Basement Area	1,440 sqft Basement
Unfinished Basement	1,440 sqft Unfinished
Stories	3 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Colonial Style
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Frame Construction
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	88,862 sqft (2.04 acres)

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Hot Water Heating
Heating Fuel	Oil Heating Fuel

Location & Zoning

Street Address	46 W RIVER ST
City	UPTON
State	MA
Zip	01568-1402
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Lot Number	92
Jurisdiction	UPTON MA
Minor Civil Division	UPTON
Census Blockgroup	4
Census Block	4028
Census Tract	743100

Owner

Source: Worcester County and Upton Town records · APN UPTO M:024 L:092

Assessment roll updated April 14, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	46 W RIVER ST, UPTON, MA 01568-1402
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Husband And Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 30, 2023 · Amount on Record
Deed Sale	Nov 30, 2023 · Amount on Record
Prior Sale	Nov 09, 2007 · Amount on Record
Deed Book / Page	69940 / 150
Record Refreshed	Sep 20, 2026

November 2023: Quit Claim Arm's Length for NE States, Transfer

Document Type	Quit Claim Arm's Length for NE States
Jurisdiction	UPTON MA
Recording Date	Nov 30, 2023
Property Address	46 W RIVER ST, UPTON, MA 01568-1402
Document Number	069940-150
Book / Page	69940 / 150
Instrument Date	Nov 30, 2023
Instrument	100280
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenant By Entirety
Address	46 W RIVER ST, UPTON, MA 01568-1402

Mortgage

Document Number	0000100281
Date	Nov 30, 2023
Instrument	100281

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Worcester County and Upton Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,627.00 (-0.22%)	$808,100 (+3.8%) Land $298,400 Building $509,700	$874,475 (+14.8%)
2024	$10,650.00 (+32.13%)	$778,500 (+33.97%) Land $290,400 Building $488,100	$761,710
2023	$8,060.00	$581,100 Land $216,800 Building $364,300

Flood & Wildfire

46 W River St is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Worcester County (25027C), updated November 30, 2025

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 58th in Massachusetts
Wildfire Likelihood	Low — about 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.