481 Bailey Rd, Holden, MA 01520 Property Records

Worcester County and Holden Town property record for 481 Bailey Rd, Holden, MA 01520

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,052 sqft · built 1955
Lot Size	5.93 acres (258,671 sqft)
Owner	2 Individual Names on Record
Tax Bill	$10,506 (2025)
Deeds & Mortgages	Jun 2025 Line of Credit Feb 2024 Refinance + 5 more
Flood Zone	Zone X (minimal risk)
APN	`HOLD M:196 B:11`

Property Details

APN / Parcel Number

Primary APN	`HOLD M:196 B:11`
Alternative APNs	`M:00196 P:00011` `10780`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,052 sqft Living Area
Gross Area	7,625 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	258,671 sqft (5.93 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	10780
Street Address	481 BAILEY RD
City	HOLDEN
State	MA
Zip	01520-1110
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Block	11
Jurisdiction	HOLDEN MA
Township / Civil Division	HOLDEN
Census Block Group	1
Census Block	1001
Census Tract	728100

Owner

Source: Worcester County and Holden Town records, as of April 14, 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	481 BAILEY RD, HOLDEN, MA 01520-1110
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2025	Deed of Trust, Mortgage · Line of Credit CORNERSTONE BANK
Feb 6, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK
Jan 10, 2023	Quit Claim Deed, Transfer Quitclaim
Apr 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HOMETOWN BANK
Apr 18, 2018	Deed of Trust, Mortgage · ARM HOMETOWN BANK
May 25, 2018	Deed of Trust, Mortgage · Line of Credit HOMETOWN BANK
Apr 13, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HOMETOWN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 9, 2023
Transfer Doc	068703-136
Record Updated	Sep 20, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	481 BAILEY RD, HOLDEN, MA 01520-1110
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072158-122
Date	Jun 24, 2025
Book Page	72158/122
Instrument	50865

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	481 BAILEY RD, HOLDEN, MA 01520-1110
Transaction Type	Mortgage
Record Updated	Feb 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070168-108
Date	Feb 6, 2024
Book Page	70168/108
Instrument	8945

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2049

January 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLDEN MA
Recording Date	Jan 10, 2023
Property Address	481 BAILEY RD, HOLDEN, MA 01520-1110
Document Number	068703-136
Book / Page	68703 / 136
Instrument Date	Jan 9, 2023
Instrument	2355
Transaction Type	Transfer
Record Updated	Jan 27, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	481 BAILEY RD, HOLDEN, MA 01520-1110

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	481 BAILEY RD, HOLDEN, MA 01520-1110
Transaction Type	Mortgage
Record Updated	May 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	65057-387
Date	Apr 30, 2021
Book Page	65057/387
Instrument	59669

Lender

Name	HOMETOWN BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	481 BAILEY RD, HOLDEN, MA 01520-1110
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58679-385
Date	Apr 18, 2018
Book Page	58679/385
Instrument	36003

Lender

Name	HOMETOWN BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	2.99%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	481 BAILEY RD, HOLDEN, MA 01520-1110
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58847-193
Date	May 25, 2018
Book Page	58847/193
Instrument	50232

Lender

Name	HOMETOWN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2038

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	481 BAILEY RD, HOLDEN, MA 01520-1110
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62194-128
Date	Apr 13, 2020
Book Page	62194/128
Instrument	36691

Lender

Name	HOMETOWN BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,506.00 (-4.11%)	$758,000 (-2.11%) Land $211,300 Building $546,700	$744,990
2024	$10,956.00 (+3.72%)	$774,300 (+9.88%) Land $205,500 Building $568,800
2023	$10,563.00	$704,700 Land $178,500 Building $526,200

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
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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bailey Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures