48 Bean Rd, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 48 Bean Rd, Sterling, MA 01564

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 864 sqft · built 1972
Lot Size	0.359 acres (15,625 sqft)
Owner	Individual Name on Record
Last Sale	$243,500 (Nov 2017)
Tax Bill	$5,880 (2026)
Deeds & Mortgages	Mar 2021 Refinance Jun 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`STER M:00157 L:00003`

Property Details

APN / Parcel Number

Primary APN	`STER M:00157 L:00003`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Gross Area	1,956 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,625 sqft (0.359 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	48 BEAN RD
City	STERLING
State	MA
Zip	01564-2405
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR
Legal Lot Number	3
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	1
Census Block	1043
Census Tract	719100

Owner

Source: Worcester County and Sterling Town records, as of October 20, 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	48 BEAN RD, STERLING, MA 01564-2405
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MUTUAL OF OMAHA MORTGAGE
Jun 20, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Sep 20, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP
Nov 30, 2017	Quit Claim Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2017 · Amount on Record
Deed Sale	Nov 30, 2017 · Amount on Record
Prior Sale	Jun 12, 2000 · Amount on Record
Deed Book / Page	58115 / 159
Transfer Doc	058115-159
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	48 BEAN RD, STERLING, MA 01564-2405
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064729-355
Date	Mar 22, 2021
Book Page	64729/355
Instrument	38795

Lender

Name	MUTUAL OF OMAHA MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	48 BEAN RD, STERLING, MA 01564-2405
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070652-338
Date	Jun 20, 2024
Book Page	70652/338
Instrument	46804

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	48 BEAN RD, STERLING, MA 01564-2405
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61091-3
Date	Sep 20, 2019
Book Page	61091/3
Instrument	97827

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	Nov 30, 2017
Property Address	48 BEAN RD, STERLING, MA 01564-2405
Document Number	58115-159
Book / Page	058115 / 000159
Instrument Date	Nov 17, 2017
Instrument	133756
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,110.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 BEAN RD STERLING MA 015642405, STERLING, MA 01564-2405

Mortgage

Document Number	58115-161
Date	Nov 30, 2017
Book Page	058115/000161
Instrument	133757

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 29, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,880.00 (+8.91%)	$468,500 (+11.76%) Land $126,500 Building $342,000	$388,645 (-)
2025	$5,399.00 (+4.25%)	$419,200 (+7.74%) Land $109,600 Building $309,600	$388,645 (+2.79%)
2024	$5,179.00 (+5.16%)	$389,100 (+12.98%) Land $109,600 Building $279,500	$378,100
2023	$4,925.00	$344,400 Land $109,600 Building $234,800

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2010)
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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	0.01% 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	STERLING WATER DEPARTMENT serves 6,814 people · EPA ID MA2282000
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	9 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Feb 2024
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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