5 Chad Ln, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 5 Chad Ln, Sterling, MA 01564

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,029 sqft · built 2014
Lot Size	0.687 acres (29,923 sqft)
Owner	2 Individual Names on File
Last Sale	$459,900 (Dec 2017)
Tax Bill	$8,975 (2026)
Deeds & Mortgages	Jul 2023 Transfer Oct 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`STER M:00086 L:040.6`

Property Details

APN / Parcel Number

Primary APN	`STER M:00086 L:040.6`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,029 sqft Living Area
Gross Area	3,681 sqft
Basement Area	1,039 sqft
Unfinished Basement	1,039 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	29,923 sqft (0.687 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5 CHAD LN
City	STERLING
State	MA
Zip	01564-1556
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR
Legal Lot Number	40.6
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	5
Census Block	5029
Census Tract	719100

Owner

5 Chad Ln is owned and occupied by two individuals who acquired it in July 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	5 CHAD LN, STERLING, MA 01564-1556
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jul 19, 2023	Quit Claim Deed, Transfer Quitclaim
Oct 7, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
Dec 15, 2017	Quit Claim Deed, Transfer · Conventional Mortgage WORKERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2017 · Amount on File
Deed Sale	Dec 15, 2017 · Amount on File
Prior Sale	Sep 2, 2016 · Amount on File
Deed Book / Page	58189 / 146
Last Transfer Date	Jul 18, 2023
Transfer Doc	069400-366
Record Updated	Oct 29, 2026

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	Jul 19, 2023
Property Address	5 CHAD LN, STERLING, MA 01564-1556
Document Number	069400-366
Book / Page	69400 / 366
Instrument Date	Jul 18, 2023
Instrument	57735
Transaction Type	Transfer
Record Updated	Aug 4, 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	Tenants by the Entirety
Address	5 CHAD LN, STERLING, MA 01564-1556
Investor	Possibly a Property Investor

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	5 CHAD LN, STERLING, MA 01564-1556
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63436-352
Date	Oct 7, 2020
Book Page	63436/352
Instrument	118180

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

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

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	Dec 15, 2017
Property Address	5 CHAD LN, STERLING, MA 01564-1556
Document Number	58189-146
Book / Page	058189 / 000146
Instrument Date	Nov 15, 2017
Instrument	232
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,097.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 CHAD LN STERLING MA 015641556, STERLING, MA 01564-1556

Mortgage

Document Number	58189-152
Date	Dec 15, 2017
Book Page	058189/000152
Instrument	233

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 14, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 5 Chad Ln was $8,975, up 1.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,975.00 (+1.62%)	$715,100 (+4.29%) Land $167,700 Building $547,400	$700,562 (-1.52%)
2025	$8,832.00 (+1.17%)	$685,700 (+4.54%) Land $145,400 Building $540,300	$711,360 (+18.42%)
2024	$8,730.00 (+8.84%)	$655,900 (+16.94%) Land $140,500 Building $515,400	$600,685
2023	$8,021.00	$560,900 Land $133,300 Building $427,600

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

Flood

FEMA maps place 5 Chad Ln 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	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

Wildfire risk around 5 Chad Ln 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	Direct burnable vegetation

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	STERLING WATER DEPARTMENT serves 6,814 people · EPA ID MA2282000
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	9 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Feb 2024
Monitoring and Reporting	1 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 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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