54 Central St, Athol, MA 01331 Property Records

Worcester County and Athol Town property record for 54 Central St, Athol, MA 01331

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,040 sqft · built 2003
Lot Size	0.115 acres (5,008 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Jan 2023)
Tax Bill	$3,938 (2026)
Deeds & Mortgages	Nov 2024 Mortgage Jan 2023 Sale & Mortgage + 1 more
APN	`ATHO M:00032 B:00166 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ATHO M:00032 B:00166 L:00000`
Alternative APN	`2971`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
Gross Area	2,280 sqft
Basement Area	1,078 sqft
Unfinished Basement	1,078 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,008 sqft (0.115 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2971
Street Address	54 CENTRAL ST
City	ATHOL
State	MA
Zip	01331-2927
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	166
Jurisdiction	ATHOL MA
Township / Civil Division	ATHOL
Census Block Group	1
Census Block	1032
Census Tract	703300

Owner

54 Central St is owned and occupied by two individuals who bought it in January 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	54 CENTRAL ST, ATHOL, MA 01331-2927
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
Nov 4, 2024	Deed of Trust, Mortgage · FHA Mortgage CTRL MTG FUNDING LLC
Jan 13, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUILD MORTGAGE CO
Jun 2, 2017	Quit Claim Deed, Transfer ATHOL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2023 · Amount on File
Deed Sale	Jan 13, 2023 · Amount on File
Prior Sale	Jun 2, 2017 · Amount on File
Deed Book / Page	68720 / 363
Record Updated	Oct 29, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ATHOL MA
Property Address	54 CENTRAL ST, ATHOL, MA 01331-2927
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071247-375
Date	Nov 4, 2024
Book Page	71247/375
Instrument	91367

Lender

Name	CTRL MTG FUNDING LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	Dec 1, 2052

January 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	Jan 13, 2023
Property Address	54 CENTRAL ST, ATHOL, MA 01331-2927
Document Number	068720-363
Book / Page	68720 / 363
Instrument Date	Jan 13, 2023
Instrument	3873
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	54 CENTRAL ST, ATHOL, MA 01331-2927

Mortgage

Document Number	0000003874
Date	Jan 13, 2023
Instrument	3874

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	Jun 2, 2017
Property Address	54 CENTRAL ST, ATHOL, MA 01331-2927
Document Number	57208-181
Book / Page	57208 / 181
Instrument	56756
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$29.09
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 CENTRAL ST, ATHOL, MA 01331-2927

Mortgage

Document Number	572080185
Date	Jun 2, 2017
Instrument	57208/0185

Lender

Name	ATHOL SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 2, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 54 Central St was $3,938, up 0.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,938.00 (+0.28%)	$310,800 (+0.58%) Land $48,000 Building $262,800	$348,935 (-)
2025	$3,927.00 (+18.07%)	$309,000 (+19.21%) Land $46,200 Building $262,800	$348,935 (+3.87%)
2024	$3,326.00 (+6.09%)	$259,200 (+16.08%) Land $46,200 Building $213,000	$335,920
2023	$3,135.00	$223,300 Land $33,500 Building $189,800

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

Flood

FEMA's flood maps do not cover 54 Central St; there have been 1 flood claim nearby since 1985.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1985)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 1985 · river or lake flooding

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 54 Central St is low, with a 0.01% 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	0.01% 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	ATHOL DPW WATER DIVISION serves 10,587 people · EPA ID MA1015000
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	4 ppb (2025) 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 352 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

Nearby Properties on Central St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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