48 Bowdoin St, Worcester, MA 01609 Property Records

Worcester County and Worcester City property record for 48 Bowdoin St, Worcester, MA 01609

Property Summary

Property Type	Triplex
Details	6 bd · 3 ba · 3,000 sqft · built 1870
Lot Size	0.084 acres (3,643 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Apr 2022)
Tax Bill	$8,082 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Aug 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`2-039-00044`

Property Details

APN / Parcel Number

Primary APN	`2-039-00044`
Alternative APN	`WORC M:02 B:039 L:00044`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	15 Rooms
Units	3 Units
Stories	3 Stories
Building Area	3,000 sqft Living Area
Gross Area	4,741 sqft
1st Floor Area	1,000 sqft
Basement Area	1,000 sqft
Unfinished Basement	1,000 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	3,643 sqft (0.084 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	2-039-00044
Street Address	48 BOWDOIN ST
City	WORCESTER
State	MA
Zip	01609-3322
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	RG-5
Legal Block	39
Legal Lot Number	44
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	1
Census Block	1011
Census Tract	731601

Owner

48 Bowdoin St, a triplex, is owned by two individuals who acquired it in July 2022.

Source: Worcester County and Worcester City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1 DICARLO RD, HOPKINTON, MA 01748-2138
Owner Type	Individual
Vesting	Husband and Wife

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
Oct 28, 2021	Deed of Trust, Mortgage · Commercial Mortgage AVIDIA BANK
Aug 11, 2022	Correction Deed · ARM UNIBANK FOR SAVINGS
Jul 22, 2022	Quit Claim Deed, Transfer Quitclaim
Apr 26, 2022	Quit Claim Deed, Transfer · Commercial Mortgage TARCO PROPERTIES LLC
Nov 30, 2021	Deed of Trust, Mortgage · Commercial Mortgage AVIDIA BANK
Mar 1, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2022 · Amount on File
Deed Sale	Apr 26, 2022 · Amount on File
Prior Sale	Mar 1, 2019 · Amount on File
Deed Document Number	202245613
Deed Book / Page	67494 / 169
Last Transfer Date	Jul 20, 2022
Transfer Doc	067947-137
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	48 BOWDOIN ST, WORCESTER, MA 01609-3322
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066396-308
Date	Oct 28, 2021
Book Page	66396/308
Instrument	151299

Lender

Name	AVIDIA BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

August 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	WORCESTER MA
Recording Date	Aug 11, 2022
Property Address	48 BOWDOIN ST, WORCESTER, MA 01609-3322
Document Number	0068054-62
Book / Page	68054 / 62
Instrument Date	Aug 10, 2022
Instrument	88519
Record Updated	Aug 26, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1 DICARLO RD, HOPKINTON, MA 01748-2138
Investor	Possibly a Property Investor

Mortgage

Document Number	0068054-64
Date	Aug 11, 2022
Book Page	68054/64
Instrument	88520

Lender

Name	UNIBANK FOR SAVINGS
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.63%
Type Change Date	Sep 1, 2029
Index	1-Year CMT

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Jul 22, 2022
Property Address	48 BOWDOIN ST, WORCESTER, MA 01609-3322
Document Number	067947-137
Book / Page	67947 / 137
Instrument Date	Jul 20, 2022
Instrument	80220
Transaction Type	Transfer
Record Updated	Aug 5, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1 DICARLO RD, HOPKINTON, MA 01748-2138

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Apr 26, 2022
Property Address	48 BOWDOIN ST, WORCESTER, MA 01609-3322
Document Number	067494-169
Book / Page	67494 / 169
Instrument Date	Apr 25, 2022
Instrument	45613
Transaction Type	Transfer
Record Updated	May 13, 2022

Transaction

Amount	Amount on Record
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	1 DICARLO RD, HOPKINTON, MA 01748-2138

Mortgage

Document Number	0000045614
Date	Apr 26, 2022
Instrument	45614

Lender

Name	TARCO PROPERTIES LLC

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	48 BOWDOIN ST, WORCESTER, MA 01609-3322
Transaction Type	Mortgage
Record Updated	Dec 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066633-196
Date	Nov 30, 2021
Book Page	66633/196
Instrument	166691

Lender

Name	AVIDIA BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Mar 1, 2019
Property Address	48 BOWDOIN ST, WORCESTER, MA 01609-3322
Document Number	60102-347
Book / Page	060102 / 000347
Instrument Date	Feb 14, 2019
Instrument	539
Transaction Type	Transfer
Record Updated	Mar 27, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$1,003.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	291 MAIN ST NORTHBOROUGH MA 015321648, NORTHBOROUGH, MA 01532-1648

Tax Assessment & Valuation

The 2026 property tax bill for 48 Bowdoin St was $8,082, up 3.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Worcester City
Unified School District	Worcester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$8,082.00 (+3.4%)	$608,600 (+2.7%) Land $69,500 Building $539,100
2025	$7,816.00	$592,600 Land $65,400 Building $527,200
2023	$6,872.00	$479,200 Land $56,800 Building $422,400

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 48 Bowdoin St in Zone X, an area of minimal flood risk.

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

The area around 48 Bowdoin St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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	WORCESTER DPWP, WATER SUPPLY DIVISION serves 206,518 people · EPA ID MA2348000
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	2 ppb (2022–2024) 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 528 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20

May also be available: AT&T, T-Mobile.

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