48 Terrace Dr, Worcester, MA 01609 Property Records

Worcester County and Worcester City property record for 48 Terrace Dr, Worcester, MA 01609

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,112 sqft · built 1928
Lot Size	0.166 acres (7,249 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Sep 2015)
Tax Bill	$6,252 (2026)
Deeds & Mortgages	Feb 2022 Line of Credit Feb 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`43-005-00050`

Property Details

APN / Parcel Number

Primary APN	`43-005-00050`
Alternative APN	`WORC M:43 B:005 L:00050`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,112 sqft Living Area
Gross Area	3,386 sqft
1st Floor Area	1,124 sqft
Basement Area	684 sqft
Unfinished Basement	684 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,249 sqft (0.166 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	43-005-00050
Street Address	48 TERRACE DR
City	WORCESTER
State	MA
Zip	01609-1443
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-10
Legal Block	5
Legal Lot Number	50
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	2
Census Block	2005
Census Tract	730801

Owner

48 Terrace Dr is owned and occupied by an individual who bought it in September 2015.

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

Owner of Record	Individual Name on File
Mailing Address	48 TERRACE DR, WORCESTER, MA 01609-1443
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 1, 2022	Deed of Trust, Mortgage · Line of Credit WEBSTER FIRST FEDERAL CREDIT UNION
Feb 10, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER FIRST FEDERAL CREDIT UNION
Nov 22, 2019	Deed of Trust, Mortgage · Balloon Mortgage WEBSTER FIRST FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2015 · Amount on File
Deed Sale	Sep 4, 2015 · Amount on File
Prior Sale	Aug 11, 2006 · Amount on File
Deed Book / Page	54258 / 77
Transfer Doc	0054258-77
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	48 TERRACE DR, WORCESTER, MA 01609-1443
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067043-175
Date	Feb 1, 2022
Book Page	67043/175
Instrument	12518

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	48 TERRACE DR, WORCESTER, MA 01609-1443
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0064434-45
Date	Feb 10, 2021
Book Page	64434/45
Instrument	19566

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2041

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	48 TERRACE DR, WORCESTER, MA 01609-1443
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61466-36
Date	Nov 22, 2019
Book Page	61466/36
Instrument	126056

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 48 Terrace Dr was $6,252, up 2.8% 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	Assessed Market Value
2026	$6,252.00 (+2.8%)	$470,800 (+2.1%) Land $128,400 Building $342,400	$520,950 (-5.4%)
2025	$6,082.00	$461,100 Land $122,300 Building $338,800	$550,715
2023	$5,575.00	$388,800 Land $105,400 Building $283,400

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

Flood

FEMA maps place 48 Terrace Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2007.

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	2 in force
Nearby Flood Claims	1 (2007)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2007 · tidal / storm surge

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 Terrace Dr is low, with less than 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 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.

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 440 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, Xfinity.

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