531 Main St, Apt 409M, Worcester, MA 01608 Property Records

Worcester County and Worcester City property record for 531 Main St, Apt 409M, Worcester, MA 01608

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 460 sqft · built 1930
Lot Size	0.317 acres (13,826 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Aug 2023)
Tax Bill	$2,001 (2026)
Deeds & Mortgages	Feb 2024 Line of Credit Aug 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-013-0409M`

Property Details

APN / Parcel Number

Primary APN	`3-013-0409M`
Alternative APN	`WORC M:03 B:013 L:0409M`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Building Area	460 sqft Living Area
1st Floor Area	1,012 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Other
Exterior Material	Combination
Roof Type	Flat
Roof Material	Other
Lot Area	13,826 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	3-013-0409M
Street Address	531 MAIN ST, 409M
City	WORCESTER
State	MA
Zip	01608-1816
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Block	13
Legal Lot Number	409M
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3005
Census Tract	731700

Historic Designation

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

Historic District	Within the Main and Franklin Streets Historic District listed 2022 · 9 contributing resources · NRIS 100007732

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

Owner

531 Main St, Apt 409M is owned and occupied by an individual who bought it in August 2023.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	531 MAIN ST, 409M, WORCESTER, MA 01608-1816
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND
Aug 9, 2023	Condominium Deed, Transfer · Stand-Alone First Mortgage AVIDIA BANK
May 20, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage AVIDIA BANK
Aug 3, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2023 · Amount on File
Deed Sale	Aug 9, 2023 · Amount on File
Prior Sale	May 20, 2022 · Amount on File
Deed Book / Page	69494 / 28
Prior Transfer Date	May 19, 2022
Prior Transfer Doc	067622-295
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	531 MAIN ST APT 409M, 409M, WORCESTER, MA 01608-1816
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070221-110
Date	Feb 23, 2024
Book Page	70221/110
Instrument	13337

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate

August 2023: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	WORCESTER MA
Recording Date	Aug 9, 2023
Property Address	531 MAIN ST APT 409, 409, WORCESTER, MA 01608-1816
Document Number	0069494-28
Book / Page	69494 / 28
Instrument Date	Aug 9, 2023
Instrument	65071
Transaction Type	Transfer
Record Updated	Aug 25, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	531 MAIN ST APT 409M, 409M, WORCESTER, MA 01608-1816

Mortgage

Document Number	0000065072
Date	Aug 9, 2023
Instrument	65072

Lender

Name	AVIDIA BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	May 20, 2022
Property Address	531 MAIN ST APT 409M, 409M, WORCESTER, MA 01608-1816
Document Number	067622-295
Book / Page	67622 / 295
Instrument Date	May 19, 2022
Instrument	55233
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	48 WALNUT WAY, HOPKINTON, MA 01748-3232

Mortgage

Document Number	0000055234
Date	May 20, 2022
Instrument	55234

Lender

Name	AVIDIA BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Aug 3, 2021
Property Address	531 MAIN ST APT 409, 409, WORCESTER, MA 01608-1816
Document Number	65762-125
Book / Page	65762 / 125
Instrument Date	Aug 3, 2021
Instrument	108782
Transaction Type	Transfer
Record Updated	Aug 20, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	531 MAIN ST APT 409M, 409M, WORCESTER, MA 01608-1816

Mortgage

Document Number	108783
Date	Aug 3, 2021
Instrument	108783

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 531 Main St, Apt 409M was $2,001, up 1.7% from the year before.

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
2026	$2,001.00 (+1.68%)	$150,700 (+1.01%) Building $150,700	$161,736 (-5%)
2025	$1,968.00	$149,200 Building $149,200	$170,240 (+21.08%)
2024			$140,600
2023	$1,438.00	$100,300 Building $100,300

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

Flood

FEMA maps place 531 Main St, Apt 409M in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 531 Main St, Apt 409M has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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 128 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
Starlink Satellite	280 / 30

May also be available: Verizon.

Nearby Properties on Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures