5 Bay State Rd, Worcester, MA 01606 Property Records

Worcester County and Worcester City property record for 5 Bay State Rd, Worcester, MA 01606

Property Summary

Property Type	Duplex
Details	6 bd · 2.5 ba · 2,648 sqft · built 1920
Lot Size	0.148 acres (6,449 sqft)
Owner	Individual Name on Record
Last Sale	$685,000 (Aug 2025)
Tax Bill	$8,344 (2026)
Deeds & Mortgages	Aug 2025 Sale & Mortgage May 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`36-010-00158`

Property Details

APN / Parcel Number

Primary APN	`36-010-00158`
Alternative APN	`WORC M:36 B:010 L:00158`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,648 sqft Living Area
Gross Area	6,116 sqft
1st Floor Area	1,324 sqft
Attic	Attic
Attic Area	1,564 sqft
Basement Area	1,312 sqft
Unfinished Basement	1,312 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,449 sqft (0.148 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	36-010-00158
Street Address	5 BAY STATE RD
City	WORCESTER
State	MA
Zip	01606-2101
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RS-7
Legal Block	10
Legal Lot Number	158
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	5
Census Block	5007
Census Tract	730200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	5 BAY STATE RD, WORCESTER, MA 01606-2101
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2025	Quit Claim Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 3, 2023	Quit Claim Deed, Transfer · Commercial Mortgage BOSTON TRUST LOANS LLC
Aug 27, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BAYCOAST MORTGAGE COMPANY
Feb 20, 2018	Quit Claim Deed, Transfer · FHA Mortgage BANK OF NAT'L TR & SVGS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2025 · Amount on Record
Deed Sale	Aug 6, 2025 · Amount on Record
Prior Sale	Feb 20, 2018 · Amount on Record
Deed Book / Page	72366 / 223
Record Updated	Oct 29, 2026

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Aug 6, 2025
Property Address	5 BAY STATE RD, WORCESTER, MA 01606-2101
Document Number	072366-223
Book / Page	72366 / 223
Instrument Date	Aug 6, 2025
Instrument	66017
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
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
Address	5 BAY STATE RD, WORCESTER, MA 01606-2101

Mortgage

Document Number	0000066018
Date	Aug 6, 2025
Instrument	66018

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	May 3, 2023
Property Address	5 BAY STATE RD, WORCESTER, MA 01606-2101
Document Number	0069093-59
Book / Page	69093 / 59
Instrument Date	May 3, 2023
Instrument	34081
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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	40 GROVE ST # STE43, STE43, WELLESLEY, MA 02482-7702

Mortgage

Document Number	0000034082
Date	May 3, 2023
Instrument	34082

Lender

Name	BOSTON TRUST LOANS LLC

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	5 BAY STATE RD, WORCESTER, MA 01606-2101
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63113-203
Date	Aug 27, 2020
Book Page	63113/203
Instrument	96802

Lender

Name	BAYCOAST MORTGAGE COMPANY

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Feb 20, 2018
Property Address	5 BAY STATE RD, WORCESTER, MA 01606-2101
Document Number	58452-132
Book / Page	058452 / 000132
Instrument Date	Dec 29, 2017
Instrument	16205
Transaction Type	Transfer
Record Updated	Mar 13, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,596.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 BAY STATE RD WORCESTER MA 016062101, WORCESTER, MA 01606-2101

Mortgage

Document Number	58452-136
Date	Feb 20, 2018
Book Page	058452/000136
Instrument	16206

Lender

Name	BANK OF NAT'L TR & SVGS
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 19, 2048

Tax Assessment & Valuation

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	$8,344.00 (+33.48%)	$628,300 (+32.58%) Land $117,900 Building $510,400	$632,463
2025	$6,251.00 (+12.29%)	$473,900 (+22.08%) Land $112,200 Building $361,700
2023	$5,567.00	$388,200 Land $97,600 Building $290,600

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 735 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Netafy, T-Mobile.

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