46 West St, Berlin, MA 01503 Property Records

Worcester County and Berlin Town property record for 46 West St, Berlin, MA 01503

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,771 sqft · built 2017
Lot Size	3.05 acres (133,143 sqft)
Owner	Individual Name on Record
Last Sale	$1,200,000 (Aug 2026)
Tax Bill	$16,086 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Dec 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15.1-0023-0002.0`

Property Details

APN / Parcel Number

Primary APN	`15.1-0023-0002.0`
Alternative APNs	`BERL M:0151 B:0023 L:0002-0` `M:0151 B:0023 L:0002=0` `15.1-0023-0002`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,771 sqft Living Area
Gross Area	8,169 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	133,143 sqft (3.05 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	15.1-0023-0002.
Street Address	46 WEST ST
City	BERLIN
State	MA
Zip	01503-1507
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	23
Legal Lot Number	2-0
Jurisdiction	BERLIN MA
Township / Civil Division	BERLIN
Census Block Group	1
Census Block	1057
Census Tract	717100

Owner

Source: Worcester County and Berlin Town records, as of September 11, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	46 WEST ST, BERLIN, MA 01503-1507
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2026	Quit Claim Deed, Transfer · ARM BANK OF AMERICA
Dec 12, 2023	Deed of Trust, Mortgage · Line of Credit AVIDIA BANK
Nov 15, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage AVIDIA BANK
Mar 17, 2017	Deed of Trust, Mortgage DIGITAL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2026 · Amount on Record
Deed Sale	Aug 19, 2026 · Amount on Record
Prior Sale	Nov 15, 2023 · Amount on Record
Deed Document Number	202671848
Deed Book / Page	74049 / 233
Prior Transfer Date	Jul 29, 2026
Prior Transfer Doc	0000071848
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BERLIN MA
Recording Date	Aug 19, 2026
Property Address	46 WEST ST, BERLIN, MA 01503-1507
Document Number	0000071848
Book / Page	74049 / 233
Instrument Date	Jul 29, 2026
Instrument	202671848
Transaction Type	Transfer
Record Updated	Sep 9, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 WEST ST, BERLIN, MA 01503-1507

Mortgage

Date	Aug 19, 2026

Lender

Name	BANK OF AMERICA

Agreement

Type	ARM
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Initial Type	Adjustable Rate
Type Change Date	Sep 1, 2033
Margin	3
Max Rate	-1%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERLIN MA
Property Address	46 WEST ST, BERLIN, MA 01503-1507
Transaction Type	Mortgage
Record Updated	Dec 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069983-184
Date	Dec 12, 2023
Book Page	69983/184
Instrument	103806

Lender

Name	AVIDIA BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2044

Interest

Rate Type	Adjustable Rate

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BERLIN MA
Recording Date	Nov 15, 2023
Property Address	46 WEST ST, BERLIN, MA 01503-1507
Document Number	0069882-15
Book / Page	69882 / 15
Instrument Date	Nov 15, 2023
Instrument	95549
Transaction Type	Transfer
Record Updated	Dec 8, 2023

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
Address	46 WEST ST, BERLIN, MA 01503-1507

Mortgage

Document Number	0000095550
Date	Nov 15, 2023
Instrument	95550

Lender

Name	AVIDIA BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	Dec 1, 2028
Max Rate At Change	2.75%
Index	3-Year CMT

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERLIN MA
Property Address	46 WEST ST, BERLIN, MA 01503-1507
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	56862-1
Date	Mar 17, 2017
Book Page	56862/1
Instrument	27346

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2032

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$16,086.00 (+21.13%)	$1,133,600 (+8.83%) Land $268,800 Building $864,800	$1,075,115
2024	$13,280.00 (+10.45%)	$1,041,600 (+19.9%) Land $268,800 Building $772,800
2023	$12,023.00	$868,700 Land $233,300 Building $635,400

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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

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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

May also be available: T-Mobile, Xfinity.

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