515 Sterling Rd, Jefferson, MA 01522 Property Records

Worcester County and Holden Town property record for 515 Sterling Rd, Jefferson, MA 01522

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,219 sqft · built 2004
Lot Size	2.79 acres (121,893 sqft)
Owner	2 Individual Names on File
Tax Bill	$9,987 (2026)
Deeds & Mortgages	Apr 2023 Refinance Apr 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`HOLD M:8 B:17`

Property Details

APN / Parcel Number

Primary APN	`HOLD M:8 B:17`
Alternative APN	`M:00008 P:00017`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,219 sqft Living Area
Gross Area	6,277 sqft
1st Floor Area	1,620 sqft
Attic	Attic
Attic Area	392 sqft
Basement Area	1,620 sqft
Unfinished Basement	1,620 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	121,893 sqft (2.79 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	515 STERLING RD
City	JEFFERSON
State	MA
Zip	01522-1342
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Block	17
Jurisdiction	HOLDEN MA
Township / Civil Division	HOLDEN
Census Block Group	3
Census Block	3004
Census Tract	728400

Owner

515 Sterling Rd is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	515 STERLING RD, JEFFERSON, MA 01522-1342
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
Apr 11, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance UNIBANK FOR SAVINGS
Apr 2, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	515 STERLING RD, JEFFERSON, MA 01522-1342
Transaction Type	Mortgage
Record Updated	Apr 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069008-172
Date	Apr 11, 2023
Book Page	69008/172
Instrument	27581

Lender

Name	UNIBANK FOR SAVINGS
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	May 1, 2043

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLDEN MA
Recording Date	Apr 2, 2018
Property Address	515 STERLING RD, JEFFERSON, MA 01522-1342
Document Number	58616-243
Book / Page	058616 / 000243
Instrument Date	Mar 29, 2018
Instrument	30467
Transaction Type	Transfer
Record Updated	Apr 24, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	515 STERLING RD HOLDEN MA 01520, HOLDEN, MA 01520

Tax Assessment & Valuation

The 2026 property tax bill for 515 Sterling Rd was $9,987, up 2.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,987.00 (+2.68%)	$740,900 (+5.59%) Land $203,800 Building $537,100	$691,799 (+16.55%)
2025	$9,726.00 (-0.01%)	$701,700 (+2.08%) Land $193,900 Building $507,800	$593,560
2024	$9,727.00 (+2.53%)	$687,400 (+8.61%) Land $188,700 Building $498,700
2023	$9,487.00	$632,900 Land $163,800 Building $469,100

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

Flood

FEMA maps place 515 Sterling Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

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	1 in force
Nearby Flood Claims	2 (1979–1984)
Most Recent Claim	Apr 1984 · tidal / storm surge

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 515 Sterling Rd 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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

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