Worcester County and Upton Town property record for 48 South St, Upton, MA 01568 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 1.5 Baths |
| Year Built | Built 1984 |
| Square Footage | 1,888 sqft Living Area |
| Lot Size | 80,586 sqft (1.85 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $450,000 (2018) |
| Tax Bill | $8,538.00 (2025) |
| Primary APN | UPTO M:028 L:045 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 3 Rooms |
| Building Area | 1,888 sqft Living Area |
| Gross Area | 4,029 sqft Gross Area |
| 1st Floor | 952 sqft 1st Floor |
| Basement Area | 936 sqft Basement |
| Unfinished Basement | 486 sqft Unfinished |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Colonial Style |
| Exterior Material | Wood Siding Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 80,586 sqft (1.85 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Hot Water Heating |
| Heating Fuel | Oil Heating Fuel |
| Street Address | 48 SOUTH ST |
|---|---|
| City | UPTON |
| State | MA |
| Zip | 01568-1407 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Lot Number | 45 |
| Jurisdiction | UPTON MA |
| Minor Civil Division | UPTON |
| Census Blockgroup | 4 |
| Census Block | 4027 |
| Census Tract | 743100 |
Source: Worcester County and Upton Town records · APN UPTO M:028 L:045
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 48 SOUTH ST, UPTON, MA 01568-1407 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage THIRD FEDERAL SAVINGS AND LOAN |
| Jan 12, 2021 | Deed of Trust, Mortgage · Stand Alone Refinance RESIDENTIAL MORTGAGE SERVICES |
| Sep 20, 2018 | Quit Claim Arm's Length for NE States, Transfer ENVOY MORTGAGE LTD |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 20, 2018 · Amount on Record |
| Deed Sale | Sep 20, 2018 · Amount on Record |
| Prior Sale | Feb 22, 2001 · Amount on Record |
| Deed Doc Number | 201899648 |
| Deed Book / Page | 59432 / 20 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UPTON MA |
| Recording Date | Jun 30, 2026 |
| Property Address | 48 SOUTH ST, UPTON, MA 01568-1407 |
| Document Number | 0000054295 |
| Book / Page | 73805 / 1 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 202654295 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2026 |
| Name | Verified Name |
|---|---|
| Address | 48 SOUTH ST, UPTON, MA 01568-1407 |
| Document Number | 0000054295, |
|---|---|
| Date | Jun 30, 2026 |
| Book Page | 73805/1 |
| Instrument | 202654295 |
| Name | THIRD FEDERAL SAVINGS AND LOAN |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 01, 2046 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UPTON MA |
| Property Address | 48 SOUTH ST, UPTON, MA 01568-1407 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 064204-385 |
|---|---|
| Date | Jan 12, 2021 |
| Book Page | 64204/385 |
| Instrument | 4708 |
| Name | RESIDENTIAL MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
| Document Type | Quit Claim Arm's Length for NE States |
|---|---|
| Jurisdiction | UPTON MA |
| Recording Date | Sep 20, 2018 |
| Property Address | 48 SOUTH ST, UPTON, MA 01568-1407 |
| Document Number | 59432-20 |
| Book / Page | 59432 / 20 |
| Instrument | 99648 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $74.23 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 594320022 |
|---|---|
| Date | Sep 20, 2018 |
| Instrument | 59432/0022 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 20, 2048 |
Source: Worcester County and Upton Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Upton Town |
| Unified School District | Mendon-Upton School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,538.00 (-0.02%) | $649,300 (+4%) Land $296,100 Building $353,200 | $670,795 (+2.04%) |
| 2024 | $8,540.00 (+30.64%) | $624,300 (+32.46%) Land $288,100 Building $336,200 | $657,400 |
| 2023 | $6,537.00 | $471,300 Land $214,500 Building $256,800 |
48 South St is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Worcester County (25027C), updated November 30, 2025
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 58th in Massachusetts |
|---|---|
| Wildfire Likelihood | Low — about 1 in 10,000 per year |
| Exposure | Indirect within ember reach of burnable land · adjoins burnable vegetation |
Values are read at the parcel center point; lenders make the official flood determination.
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