Worcester County and Sutton Town property record for 48 Heritage Rd, Sutton, MA 01590
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,404 sqft · built 1969 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,068 (2025) |
| Deeds & Mortgages | Feb 2023 Mortgage Feb 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SUTT M:0005 P:54 |
| Primary APN | SUTT M:0005 P:54 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,404 sqft Living Area |
| Gross Area | 2,958 sqft |
| 1st Floor Area | 1,404 sqft |
| Basement Area | 144 sqft |
| Unfinished Basement | 144 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,038 sqft (0.46 acres) |
| Garage Type | Basement |
| Pool Type | In-Ground Pool |
| Deck Area | Deck Area |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Street Address | 48 HERITAGE RD |
|---|---|
| City | SUTTON |
| State | MA |
| Zip | 01590-3026 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Jurisdiction | SUTTON MA |
| Township / Civil Division | SUTTON |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 751101 |
Source: Worcester County and Sutton Town records, as of July 20, 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 Record |
|---|---|
| Mailing Address | 48 HERITAGE RD, SUTTON, MA 01590-3026 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 22, 2023 | Deed of Trust, Mortgage · ARM SECRETARY HOUSING URBAN DEVELOPMENT |
| Feb 22, 2023 | Deed of Trust, Mortgage · ARM FINANCE AMERICA LLC |
| Jul 27, 2021 | Deed of Trust, Mortgage · ARM HOMETOWN BANK |
| Oct 8, 2019 | Deed of Trust, Mortgage · Line of Credit MILLBURY SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUTTON MA |
| Property Address | 48 HERITAGE RD, SUTTON, MA 01590-3026 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 068850-350 |
|---|---|
| Date | Feb 22, 2023 |
| Book Page | 68850/350 |
| Instrument | 14940 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 889 Months |
| Due | Mar 1, 2097 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.62% |
| Type Change Date | Apr 1, 2023 |
| Index | LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUTTON MA |
| Property Address | 48 HERITAGE RD, SUTTON, MA 01590-3026 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 068850-332 |
|---|---|
| Date | Feb 22, 2023 |
| Book Page | 68850/332 |
| Instrument | 14939 |
| Name | FINANCE AMERICA LLC |
|---|---|
| Type | Subprime Lender |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 889 Months |
| Due | Mar 1, 2097 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.62% |
| Type Change Date | Apr 1, 2023 |
| Index | LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUTTON MA |
| Property Address | 48 HERITAGE RD, SUTTON, MA 01590-3026 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 065701-255 |
|---|---|
| Date | Jul 27, 2021 |
| Book Page | 65701/255 |
| Instrument | 104552 |
| Name | HOMETOWN BANK |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Aug 1, 2031 |
| Index | LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUTTON MA |
| Property Address | 48 HERITAGE RD, SUTTON, MA 01590-3026 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 61198-92 |
|---|---|
| Date | Oct 8, 2019 |
| Book Page | 61198/92 |
| Instrument | 105762 |
| Name | MILLBURY SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 1, 2039 |
Source: Worcester County and Sutton Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Sutton Town |
| Unified School District | Sutton School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,068.00 (+2.07%) | $421,600 (+7.66%) Land $151,800 Building $269,800 | $347,320 (-26.94%) |
| 2024 | $4,965.00 (+2.77%) | $391,600 (+12.27%) Land $130,700 Building $260,900 | $475,380 |
| 2023 | $4,831.00 | $348,800 Land $114,200 Building $234,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 96% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 62 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber | 980 / 880 |
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