474 Central St, Winchendon, MA 01475 Property Records

Worcester County and Winchendon Town property record for 474 Central St, Winchendon, MA 01475

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,482 sqft · built 1930
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$204,495 (Jun 2020)
Tax Bill	$2,654 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Jun 2020 Sale & Mortgage
APN	`WINC M:5A3 B:0 L:15`

Property Details

APN / Parcel Number

Primary APN	`WINC M:5A3 B:0 L:15`
Alternative APN	`WCDN M:5A3 B:0 L:15`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,482 sqft Living Area
Gross Area	2,392 sqft
Basement Area	728 sqft
Unfinished Basement	728 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	474 CENTRAL ST
City	WINCHENDON
State	MA
Zip	01475-1207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Lot Number	15
Jurisdiction	WINCHENDON MA
Township / Civil Division	WINCHENDON
Census Block Group	1
Census Block	1006
Census Tract	701102

Owner

474 Central St is owned and occupied by an individual who bought it in June 2020.

Source: Worcester County and Winchendon Town records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	474 CENTRAL ST, WINCHENDON, MA 01475-1207
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
Nov 22, 2023	Deed of Trust, Mortgage · USDA Mortgage USDA
Jun 3, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2020 · Amount on File
Deed Sale	Jun 3, 2020 · Amount on File
Prior Sale	Jul 31, 2001 · Amount on File
Deed Document Number	202057573
Deed Book / Page	62524 / 135
Prior Transfer Date	May 26, 2020
Prior Transfer Doc	62524-135
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHENDON MA
Property Address	474 CENTRAL ST, WINCHENDON, MA 01475-1207
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	069916-358
Date	Nov 22, 2023
Book Page	69916/358
Instrument	98318

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Dec 1, 2050

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHENDON MA
Recording Date	Jun 3, 2020
Property Address	474 CENTRAL ST, WINCHENDON, MA 01475-1207
Document Number	62524-135
Book / Page	62524 / 135
Instrument Date	May 26, 2020
Instrument	57573
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	METROPOLITAN TITLE AGENCY

Transaction

Amount	Amount 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	474 CENTRAL ST, WINCHENDON, MA 01475-1207

Mortgage

Document Number	57574
Date	Jun 3, 2020
Instrument	57574

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 474 Central St was $2,654, up 3.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,654.00 (+3.83%)	$225,900 (+10.84%) Land $31,900 Building $194,000	$312,075 (+6.14%)
2024	$2,556.00 (-5.65%)	$203,800 (+0.79%) Land $30,600 Building $173,200	$294,025
2023	$2,709.00	$202,200 Land $29,900 Building $172,300

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

Flood

FEMA's flood maps do not cover 474 Central St.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 474 Central St is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	WINCHENDON WATER DEPARTMENT serves 5,706 people · EPA ID MA2343000
Water Source	Purchased surface water from ASH/WIN JOINT WATER AUTHORITY
Last State Inspection	Dec 2024
Lead	1 ppb (2024–2026) 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 246 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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