5 Fernside Rd, Worcester, MA 01602 Property Records

Worcester County and Worcester City property record for 5 Fernside Rd, Worcester, MA 01602

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,454 sqft · built 1927
Lot Size	0.149 acres (6,500 sqft)
Owner	Individual Name on Record
Last Sale	$132,000 (Mar 2000)
Tax Bill	$4,382 (2025)
Deeds & Mortgages	May 2026 Mortgage Jun 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`40-017-00012`

Property Details

APN / Parcel Number

Primary APN	`40-017-00012`
Alternative APN	`WORC M:40 B:017 L:00012`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,454 sqft Living Area
Gross Area	3,927 sqft
1st Floor Area	1,170 sqft
Basement Area	1,170 sqft
Unfinished Basement	1,170 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Bungalow
Exterior Material	Wood Siding
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,500 sqft (0.149 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	40-017-00012
Street Address	5 FERNSIDE RD
City	WORCESTER
State	MA
Zip	01602-4105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Block	17
Legal Lot Number	12
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	2
Census Block	2006
Census Tract	730700

Owner

Source: Worcester County and Worcester City records, as of July 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 FERNSIDE RD, WORCESTER, MA 01602-4105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Deed of Trust, Mortgage BAY STATE SAVINGS BANK
Jun 8, 2022	Deed of Trust, Mortgage · Line of Credit BAY STATE SAVINGS BANK
Mar 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BAY STATE SAVINGS BANK
Sep 23, 2020	Deed of Trust, Mortgage · Balloon Mortgage BAY STATE SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2000 · Amount on Record
Deed Sale	Mar 31, 2000 · Amount on Record
Prior Sale	Apr 15, 1994 · Amount on Record
Deed Book / Page	22451 / 56
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Recording Date	May 19, 2026
Property Address	5 FERNSIDE RD, WORCESTER, MA 01602-4105
Document Number	073596-333
Book / Page	73596 / 333
Instrument Date	May 14, 2026
Instrument	202639532
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 FERNSIDE RD, WORCESTER, MA 01602-4105

Mortgage

Document Number	0000039532,
Date	May 19, 2026
Book Page	73596/333
Instrument	202639532

Lender

Name	BAY STATE SAVINGS BANK

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2046

Interest

Rate	6.3%
Max Rate	-1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	5 FERNSIDE RD, WORCESTER, MA 01602-4105
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067718-101
Date	Jun 8, 2022
Book Page	67718/101
Instrument	62493

Lender

Name	BAY STATE SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2042

Interest

Rate Type	Adjustable Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	5 FERNSIDE RD, WORCESTER, MA 01602-4105
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62120-55
Date	Mar 30, 2020
Book Page	62120/55
Instrument	32133

Lender

Name	BAY STATE SAVINGS BANK

Agreement

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

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	5 FERNSIDE RD, WORCESTER, MA 01602-4105
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63323-1
Date	Sep 23, 2020
Book Page	63323/1
Instrument	110633

Lender

Name	BAY STATE SAVINGS BANK

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2040

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
2025	$4,382.00 (+6.28%)	$332,210 (+15.54%) Land $112,710 Building $219,500	$411,825 (+4.63%)
2024			$393,585
2023	$4,123.00	$287,520 Land $98,020 Building $189,500

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	2 (1987–2013)
Most Recent Claim	Jul 2013

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	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	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 413 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880

May also be available: AT&T.

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