487 Sterling Rd, Jefferson, MA 01522 Property Records

Worcester County and Holden Town property record for 487 Sterling Rd, Jefferson, MA 01522

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,611 sqft · built 2003
Lot Size	3.44 acres (150,207 sqft)
Owner	Individual Name on File
Last Sale	$409,000 (Mar 2014)
Tax Bill	$9,924 (2026)
Deeds & Mortgages	Jan 2023 Line of Credit Nov 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HOLD M:8 B:15`

Property Details

APN / Parcel Number

Primary APN	`HOLD M:8 B:15`
Alternative APN	`M:00008 P:00015`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,611 sqft Living Area
Gross Area	6,784 sqft
1st Floor Area	1,408 sqft
Attic	Attic
Attic Area	1,664 sqft
Basement Area	1,408 sqft
Unfinished Basement	430 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	150,207 sqft (3.44 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	487 STERLING RD
City	JEFFERSON
State	MA
Zip	01522-1329
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Block	15
Jurisdiction	HOLDEN MA
Township / Civil Division	HOLDEN
Census Block Group	3
Census Block	3004
Census Tract	728400

Owner

487 Sterling Rd is owned and occupied by an individual who acquired it in October 2020.

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

Owner of Record	Individual Name on File
Mailing Address	487 STERLING RD, JEFFERSON, MA 01522-1329
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
Jan 13, 2023	Deed of Trust, Mortgage · Line of Credit LEOMINSTER CU
Nov 2, 2020	Quit Claim Deed, Transfer · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 13, 2018	Deed of Trust, Mortgage · Line of Credit LEOMINSTER CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2014 · Amount on File
Deed Sale	Mar 3, 2014 · Amount on File
Prior Sale	Dec 20, 2004 · Amount on File
Deed Book / Page	52084 / 34
Last Transfer Date	Oct 28, 2020
Transfer Doc	63648-280
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	487 STERLING RD, JEFFERSON, MA 01522-1329
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068716-360
Date	Jan 13, 2023
Book Page	68716/360
Instrument	3556

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2043

Interest

Rate Type	Adjustable Rate

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLDEN MA
Recording Date	Nov 2, 2020
Property Address	487 STERLING RD, JEFFERSON, MA 01522-1329
Document Number	63648-280
Book / Page	63648 / 280
Instrument Date	Oct 28, 2020
Instrument	132222
Transaction Type	Transfer
Record Updated	May 12, 2021

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	Tenants by the Entirety
Address	487 STERLING RD, HOLDEN, MA

Mortgage

Document Number	63648-284
Date	Nov 2, 2020
Book Page	63648/284
Instrument	132223

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	487 STERLING RD, JEFFERSON, MA 01522-1329
Document Number	58684-50
Instrument Date	Apr 13, 2018
Transaction Type	Mortgage
Record Updated	May 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58684-50
Date	Apr 19, 2018
Book Page	058684/000050
Instrument	36354

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 18, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 487 Sterling Rd was $9,924, up 0.9% from the year before.

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
2026	$9,924.00 (+0.86%)	$736,200 (+3.7%) Land $207,700 Building $528,500	$702,579 (+4.31%)
2025	$9,839.00 (-1.02%)	$709,900 (+1.05%) Land $197,700 Building $512,200	$673,550
2024	$9,940.00 (+5.32%)	$702,500 (+11.58%) Land $192,500 Building $510,000
2023	$9,438.00	$629,600 Land $167,100 Building $462,500

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

Flood

FEMA maps place 487 Sterling Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

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
Nearby Flood Claims	2 (1979–1984)
Most Recent Claim	Apr 1984 · 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 487 Sterling Rd is low, with a 0.02% 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	0.02% 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 31 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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