48 Clay St, Worcester, MA 01610 Property Records

Worcester County and Worcester City property record for 48 Clay St, Worcester, MA 01610

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 2,352 sqft · built 1990
Lot Size	0.209 acres (9,095 sqft)
Owner	Company Name on Record
Last Sale	$225,000 (Sep 2011)
Tax Bill	$7,141 (2026)
Deeds & Mortgages	May 2022 Mortgage Apr 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`26-010-00031`

Property Details

APN / Parcel Number

Primary APN	`26-010-00031`
Alternative APN	`WORC M:26 B:010 L:00031`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,352 sqft Living Area
Gross Area	3,888 sqft
1st Floor Area	1,152 sqft
Basement Area	1,152 sqft
Unfinished Basement	1,152 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,095 sqft (0.209 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Electric
Heating Fuel	Gas

Location & Zoning

Account Number	26-010-00031
Street Address	48 CLAY ST
City	WORCESTER
State	MA
Zip	01610-2924
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RL-7
Legal Subdivision	WORCESTER
Legal Block	10
Legal Lot Number	31
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	4
Census Block	4005
Census Tract	732901

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 314, SHREWSBURY, MA 01545-0314
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 3, 2022	Deed of Trust, Mortgage · Commercial Mortgage WEBSTER FIRST FEDERAL CREDIT UNION
Apr 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2011 · Amount on Record
Deed Sale	Sep 16, 2011 · Amount on Record
Deed Document Number	20119
Deed Book / Page	47835 / 398
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	48 CLAY ST, WORCESTER, MA 01610-2924
Transaction Type	Mortgage
Record Updated	May 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067534-23
Date	May 3, 2022
Book Page	67534/23
Instrument	48510

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	48 CLAY ST, WORCESTER, MA 01610-2924
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62260-124
Date	Apr 23, 2020
Book Page	62260/124
Instrument	40584

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Tax Assessment & Valuation

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	Assessed Market Value
2026	$7,141.00 (+5.82%)	$537,700 (+5.1%) Land $104,400 Building $433,300	$530,902
2025	$6,748.00 (+12.39%)	$511,600 (+22.19%) Land $98,200 Building $413,400
2023	$6,004.00	$418,700 Land $85,400 Building $333,300

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 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 94% of the US · lower than 86% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 397 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

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