49 Central Tree Rd, Rutland, MA 01543 Property Records

Worcester County and Rutland Town property record for 49 Central Tree Rd, Rutland, MA 01543

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,079 sqft · built 1986
Lot Size	0.661 acres (28,776 sqft)
Owner	2 Individual Names on File
Last Sale	$783,000 (Feb 2024)
Tax Bill	$10,083 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Feb 2024 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:059C L:B-4`

Property Details

APN / Parcel Number

Primary APN	`M:059C L:B-4`
Alternative APN	`RUTL M:59-C B:B L:4`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,079 sqft Living Area
Gross Area	6,418 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	28,776 sqft (0.661 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	49 CENTRAL TREE RD
City	RUTLAND
State	MA
Zip	01543-1917
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	B
Legal Lot Number	4
Jurisdiction	RUTLAND MA
Township / Civil Division	RUTLAND
Census Block Group	1
Census Block	1024
Census Tract	721103

Owner

49 Central Tree Rd is owned and occupied by two individuals who bought it in February 2024.

Source: Worcester County and Rutland Town records, as of September 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	49 CENTRAL TREE RD, RUTLAND, MA 01543-1917
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2026	Deed of Trust, Mortgage · Second Mortgage (Down Payment) STATE MARY'S CREDIT UNION
Feb 21, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 3, 2022	Deed of Trust, Mortgage · Line of Credit LEOMINSTER CU
Jan 18, 2022	Quit Claim Deed, Transfer Quitclaim
Sep 8, 2021	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2024 · Amount on File
Deed Sale	Feb 21, 2024 · Amount on File
Prior Sale	Sep 8, 2021 · Amount on File
Deed Document Number	202412626
Deed Book / Page	70212 / 121
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTLAND MA
Recording Date	Aug 18, 2026
Property Address	49 CENTRAL TREE RD, RUTLAND, MA 01543-1917
Document Number	0000071203
Book / Page	74041 / 180
Instrument Date	Aug 13, 2026
Instrument	202671203
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 CENTRAL TREE RD, RUTLAND, MA 01543-1917

Mortgage

Document Number	0000071203,
Date	Aug 18, 2026
Book Page	74041/180
Instrument	202671203

Lender

Name	STATE MARY'S CREDIT UNION

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	120 Months
Due	Sep 1, 2036

Interest

Max Rate	-1%

February 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RUTLAND MA
Recording Date	Feb 21, 2024
Property Address	49 CENTRAL TREE RD, RUTLAND, MA 01543-1917
Document Number	070212-121
Book / Page	70212 / 121
Instrument Date	Feb 21, 2024
Instrument	12626
Transaction Type	Transfer
Record Updated	Mar 8, 2024

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	Joint Tenants with Right of Survivorship
Address	49 CENTRAL TREE RD, RUTLAND, MA 01543-1917

Mortgage

Document Number	0000012627
Date	Feb 21, 2024
Instrument	12627

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTLAND MA
Property Address	49 CENTRAL TREE RD, RUTLAND, MA 01543-1917
Transaction Type	Mortgage
Record Updated	Mar 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067205-310
Date	Mar 3, 2022
Book Page	67205/310
Instrument	24361

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2042

Interest

Rate Type	Adjustable Rate

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RUTLAND MA
Recording Date	Jan 18, 2022
Property Address	49 CENTRAL TREE RD, RUTLAND, MA 01543-1917
Document Number	066958-161
Book / Page	66958 / 161
Instrument Date	Jan 14, 2022
Instrument	6452
Transaction Type	Transfer
Record Updated	Feb 4, 2022

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
Address	49 CENTRAL TREE RD, RUTLAND, MA 01543-1917

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RUTLAND MA
Recording Date	Sep 8, 2021
Property Address	49 CENTRAL TREE RD, RUTLAND, MA 01543-1917
Document Number	66013-169
Book / Page	66013 / 169
Instrument Date	Sep 7, 2021
Instrument	126023
Transaction Type	Transfer
Record Updated	Sep 24, 2021

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
Relationship	Joint Tenants
Address	CENTRAL TREE RD, RUTLAND, MA 01543

Tax Assessment & Valuation

The 2025 property tax bill for 49 Central Tree Rd was $10,083, down 4.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,083.00 (-4.52%)	$708,100 (-0.56%) Land $102,400 Building $605,700	$817,000 (+12.13%)
2024	$10,560.00 (+18.75%)	$712,100 (+9.86%) Land $92,000 Building $620,100	$728,650
2023	$8,893.00	$648,200 Land $86,700 Building $561,500

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

Flood

FEMA maps place 49 Central Tree Rd 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	1 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 49 Central Tree Rd 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	RUTLAND WATER DEPARTMENT serves 6,025 people · EPA ID MA2257000
Water Source	Surface water
Last State Inspection	Nov 2023
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Tetrachloroethylene resolved · Apr 2023
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

49 Central Tree Rd, Rutland, MA 01543 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

August 2026: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

February 2024: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

January 2022: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

September 2021: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Central Tree Rd

Nearby Streets

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