46 Winter St, Northborough, MA 01532 Property Records

Worcester County and Northborough Town property record for 46 Winter St, Northborough, MA 01532 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,078 sqft · built 1760
Lot Size	1.09 acres (47,833 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (Dec 2019)
Tax Bill	$7,085 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Sep 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`NBOR M:0450 L:0013`

Property Details

APN / Parcel Number

Primary APN	`NBOR M:0450 L:0013`
Alternative APN	`M:057.0 B:0000 L:0045.0`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,078 sqft Living Area
Gross Area	3,516 sqft
1st Floor Area	1,186 sqft
Basement Area	1,186 sqft
Unfinished Basement	1,186 sqft

Exterior

Year Built	Built 1760
Effective Year Built	Effective 1760
Architectural Style	Historical
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	47,833 sqft (1.09 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	46 WINTER ST
City	NORTHBOROUGH
State	MA
Zip	01532-1412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	KEITH & JULIE DOWNER
Legal Lot Number	13
Jurisdiction	NORTHBOROUGH MA
Township / Civil Division	NORTHBOROUGH
Census Block Group	1
Census Block	1022
Census Tract	740102

Owner

Source: Worcester County and Northborough Town records · APN NBOR M:0450 L:0013

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 WINTER ST, NORTHBOROUGH, MA 01532-1412
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2025	Deed of Trust, Mortgage · Line of Credit ST MARYS CREDIT UNION
Sep 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance STEARNS LENDING INC
Dec 20, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 20, 2019 · Amount on Record
Deed Sale	Dec 20, 2019 · Amount on Record
Prior Sale	Jun 30, 1994 · Amount on Record
Deed Document Number	2019139027
Deed Book / Page	61630 / 36
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHBOROUGH MA
Property Address	46 WINTER ST, NORTHBOROUGH, MA 01532-1412
Transaction Type	Mortgage
Record Updated	Oct 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072567-250
Date	Sep 23, 2025
Book Page	72567/250
Instrument	81089

Lender

Name	ST MARYS CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Oct 01, 2050

Interest

Rate Type	Adjustable Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHBOROUGH MA
Property Address	46 WINTER ST, NORTHBOROUGH, MA 01532-1412
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63323-45
Date	Sep 23, 2020
Book Page	63323/45
Instrument	110640

Lender

Name	STEARNS LENDING INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2050

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTHBOROUGH MA
Recording Date	Dec 20, 2019
Property Address	46 WINTER ST, NORTHBOROUGH, MA 01532-1412
Document Number	61630-36
Book / Page	61630 / 36
Instrument Date	Dec 05, 2019
Instrument	139027
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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 WINTER ST, NORTHBOROUGH, MA 01532-1412

Mortgage

Document Number	139028
Date	Dec 20, 2019
Instrument	139028

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Northborough Town
Elementary School District	Northborough School District (KG - 08)
Secondary School District	Northborough-Southborough School District (09 - 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	$7,085.00 (+12.69%)	$497,200 (+12.92%) Land $279,200 Building $218,000	$607,620 (+2.4%)
2024	$6,287.00 (-1.33%)	$440,300 (+2.21%) Land $231,000 Building $209,300	$593,370
2023	$6,372.00	$430,800 Land $218,200 Building $212,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277401021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Jan 1978, tidal / storm surge

Wildfire

Wildfire Risk	Low above 6% of the US · above 14% of Massachusetts
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 170 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fiber	980 / 880
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: AT&T, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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