5 Germain St, Worcester, MA 01602 Property Records

Worcester County and Worcester City property record for 5 Germain St, Worcester, MA 01602

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,204 sqft · built 1890
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Oct 2018)
Tax Bill	$7,003 (2025)
Deeds & Mortgages	Feb 2021 Refinance Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-010-00014`

Property Details

APN / Parcel Number

Primary APN	`11-010-00014`
Alternative APN	`WORC M:11 B:010 L:00014`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	3,204 sqft Living Area
Gross Area	5,615 sqft
1st Floor Area	1,359 sqft
Basement Area	1,359 sqft
Unfinished Basement	1,359 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1994
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,492 sqft (0.172 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	11-010-00014
Street Address	5 GERMAIN ST
City	WORCESTER
State	MA
Zip	01602-2104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Block	10
Legal Lot Number	14
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	2
Census Block	2004
Census Tract	730802

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Hammond Heights listed 1980 · 79 contributing resources · NRIS 80000531

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

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

Owner of Record	2 Individual Names on File
Mailing Address	5 GERMAIN ST, WORCESTER, MA 01602-2104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance FIDELITY COOPERATIVE BANK
Oct 30, 2018	Quit Claim Deed, Transfer FIDELITY COOPERATIVE BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 30, 2018 · Amount on Record
Deed Sale	Oct 30, 2018 · Amount on Record
Prior Sale	Jan 30, 2002 · Amount on Record
Deed Book / Page	59618 / 162
Last Transfer Date	Feb 11, 2021
Transfer Doc	64482-183
Record Updated	Sep 20, 2026

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Feb 17, 2021
Property Address	5 GERMAIN ST, WORCESTER, MA 01602-2104
Document Number	064482-183
Book / Page	64482 / 183
Instrument Date	Feb 11, 2021
Instrument	22505
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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 GERMAIN ST, WORCESTER, MA 01602-2104

Mortgage

Document Number	064482-186
Date	Feb 17, 2021
Book Page	64482/186
Instrument	22506

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Oct 30, 2018
Property Address	5 GERMAIN ST, WORCESTER, MA 01602-2104
Document Number	59618-162
Book / Page	59618 / 162
Instrument	115220
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$56.03
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	596180166
Date	Oct 30, 2018
Instrument	59618/0166

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 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
2025	$7,003.00 (+8.86%)	$530,900 (+18.35%) Land $117,700 Building $413,200	$644,290 (+14.85%)
2024			$560,975
2023	$6,433.00	$448,600 Land $102,400 Building $346,200

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	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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 348 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
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

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