51 Carter St, Berlin, MA 01503 Property Records

Worcester County and Berlin Town property record for 51 Carter St, Berlin, MA 01503

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,676 sqft · built 1860
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on File
Last Sale	$389,900 (Feb 2017)
Tax Bill	$88 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Jan 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15.2-0024-0000.0`

Property Details

APN / Parcel Number

Primary APN	`15.2-0024-0000.0`
Alternative APNs	`BERL M:0152 B:0024 L:0000-0` `M:0152 B:0024 L:0000=0`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,676 sqft Living Area
Gross Area	5,802 sqft

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,136 sqft (0.6 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	15.2-0024-0000.0
Street Address	51 CARTER ST
City	BERLIN
State	MA
Zip	01503-1219
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	24
Jurisdiction	BERLIN MA
Township / Civil Division	BERLIN
Census Block Group	1
Census Block	1037
Census Tract	717100

Owner

51 Carter St is owned and occupied by two individuals who bought it in February 2017.

Source: Worcester County and Berlin Town records, as of April 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	51 CARTER ST, BERLIN, MA 01503-1219
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 19, 2023	Deed of Trust, Mortgage · Line of Credit CLINTON SAVINGS BANK
Jan 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA
Feb 23, 2017	Quit Claim Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2017 · Amount on File
Deed Sale	Feb 23, 2017 · Amount on File
Deed Book / Page	56774 / 284
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERLIN MA
Property Address	51 CARTER ST, BERLIN, MA 01503-1219
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069657-370
Date	Sep 19, 2023
Book Page	69657/370
Instrument	77775

Lender

Name	CLINTON SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2043

Interest

Rate Type	Adjustable Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERLIN MA
Property Address	51 CARTER ST, BERLIN, MA 01503-1219
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0064311-51
Date	Jan 25, 2021
Book Page	64311/51
Instrument	11259

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Feb 1, 2050

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BERLIN MA
Recording Date	Feb 23, 2017
Property Address	51 CARTER ST, BERLIN, MA 01503-1219
Document Number	56774-284
Book / Page	056774 / 000284
Instrument Date	Feb 21, 2017
Instrument	19315
Transaction Type	Transfer
Record Updated	Mar 15, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,777.94
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	51 CARTER ST BERLIN MA 015031219, BERLIN, MA 01503-1219

Mortgage

Document Number	56774-288
Date	Feb 23, 2017
Book Page	056774/000288
Instrument	19316

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 22, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 51 Carter St was $88, down 98.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$88.00 (-98.77%)	$623,800 (+11.41%) Land $206,500 Building $417,300	$620,350
2024	$7,139.00 (+1.42%)	$559,900 (+10.09%) Land $206,500 Building $353,400
2023	$7,039.00	$508,600 Land $179,500 Building $329,100

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

Flood

FEMA maps place 51 Carter St 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	5 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 51 Carter St is low, with a 0.02% 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	0.02% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 76 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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