48 Howard St, Milford, MA 01757 Property Records

Worcester County and Milford Town property record for 48 Howard St, Milford, MA 01757

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,352 sqft · built 1999
Lot Size	1.05 acres (45,886 sqft)
Owner	2 Individual Names on File
Last Sale	$685,000 (Sep 2023)
Tax Bill	$8,543 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage May 2023 Sale + 5 more
Flood Zone	Zone X (minimal risk)
APN	`MILF M:58 B:086 L:81`

Property Details

APN / Parcel Number

Primary APN	`MILF M:58 B:086 L:81`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,352 sqft Living Area
Gross Area	5,296 sqft
Basement Area	1,176 sqft
Unfinished Basement	1,176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	45,886 sqft (1.05 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	48 HOWARD ST
City	MILFORD
State	MA
Zip	01757-3649
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Subdivision	MILFORD
Legal Block	86
Legal Lot Number	81
Jurisdiction	MILFORD MA
Township / Civil Division	MILFORD
Census Block Group	1
Census Block	1003
Census Tract	744201

Owner

48 Howard St is owned and occupied by two individuals who bought it in September 2023.

Source: Worcester County and Milford Town records, as of April 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	48 HOWARD ST, MILFORD, MA 01757-3649
Occupancy	Owner Occupied
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
Sep 1, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NATIONSTAR MORTGAGE LLC
May 30, 2023	Quit Claim Deed, Transfer
Mar 10, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND
Jun 17, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Dec 29, 2020	Deed of Trust, Mortgage · VA Mortgage RESIDENTIAL MORTGAGE SERVICES
Jun 5, 2020	Deed of Trust, Mortgage · Line of Credit HOMEFIELD CU
Sep 29, 2017	Quit Claim Deed, Transfer · FHA Mortgage RESIDENTIAL MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2023 · Amount on File
Deed Sale	Sep 1, 2023 · Amount on File
Prior Sale	May 30, 2023 · Amount on File
Deed Document Number	202373097
Deed Book / Page	69599 / 35
Record Updated	Oct 29, 2026

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MILFORD MA
Recording Date	Sep 1, 2023
Property Address	48 HOWARD ST, MILFORD, MA 01757-3649
Document Number	0069599-35
Book / Page	69599 / 35
Instrument Date	Sep 1, 2023
Instrument	73097
Transaction Type	Transfer
Record Updated	Sep 15, 2023

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
Relationship	Tenants by the Entirety
Address	48 HOWARD ST, MILFORD, MA 01757-3649

Mortgage

Document Number	0000073098
Date	Sep 1, 2023
Instrument	73098

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MILFORD MA
Recording Date	May 30, 2023
Property Address	48 HOWARD ST, MILFORD, MA 01757-3649
Document Number	069189-181
Book / Page	69189 / 181
Instrument Date	May 16, 2023
Instrument	41452
Transaction Type	Transfer
Record Updated	Jun 16, 2023

Transaction

Amount	Amount 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	48 HOWARD ST, MILFORD, MA 01757-3649

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILFORD MA
Property Address	48 HOWARD ST, MILFORD, MA 01757-3649
Transaction Type	Mortgage
Record Updated	Mar 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068907-208
Date	Mar 10, 2023
Book Page	68907/208
Instrument	19573

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Apr 1, 2048

Interest

Rate Type	Adjustable Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILFORD MA
Property Address	48 HOWARD ST, MILFORD, MA 01757-3649
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065406-224
Date	Jun 17, 2021
Book Page	65406/224
Instrument	83800

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2046

Interest

Rate Type	Adjustable Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILFORD MA
Property Address	48 HOWARD ST, MILFORD, MA 01757-3649
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64091-113
Date	Dec 29, 2020
Book Page	64091/113
Instrument	162737

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILFORD MA
Property Address	48 HOWARD ST, MILFORD, MA 01757-3649
Document Number	62639-201
Instrument Date	Jun 5, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 HOWARD ST MILFORD MA 017573649, MILFORD, MA 01757-3649

Mortgage

Document Number	62639-201
Date	Jun 22, 2020
Book Page	062639/000201
Instrument	65443

Lender

Name	HOMEFIELD CU

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 21, 2040

Interest

Rate Type	Adjustable Rate

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MILFORD MA
Recording Date	Sep 29, 2017
Property Address	48 HOWARD ST, MILFORD, MA 01757-3649
Document Number	57810-226
Book / Page	57810 / 226
Instrument	107939
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$64.26
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 HOWARD ST, MILFORD, MA 01757-3649

Mortgage

Document Number	57810-229
Date	Sep 29, 2017
Book Page	57810/229
Instrument	107940

Lender

Name	RESIDENTIAL MTG SVCS

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 48 Howard St was $8,543, up 1.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,543.00 (+1.1%)	$667,400 (+4.97%) Land $218,300 Building $449,100	$637,545
2024	$8,450.00 (+9%)	$635,800 (+18.51%) Land $209,600 Building $426,200
2023	$7,752.00	$536,500 Land $174,700 Building $361,800

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

Flood

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

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

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

Wildfire risk around 48 Howard 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	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	MILFORD WATER DEPARTMENT serves 30,379 people · EPA ID MA2185000
Water Source	Surface water
Last State Inspection	May 2025
Lead	1 ppb (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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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