54 Chatham St, Worcester, MA 01609 Property Records

Worcester County and Worcester City property record for 54 Chatham St, Worcester, MA 01609

Property Summary

Property Type	Duplex
Details	3 bd · 2.5 ba · 2,964 sqft · built 1900
Lot Size	0.11 acres (4,797 sqft)
Owner	Company Name on Record
Last Sale	$286,500 (Dec 2020)
Tax Bill	$5,111 (2026)
Deeds & Mortgages	Jul 2022 Refinance Sep 2022 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`3-022-00023`

Property Details

APN / Parcel Number

Primary APN	`3-022-00023`
Alternative APN	`WORC M:03 B:022 L:00023`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,964 sqft Living Area
Gross Area	4,640 sqft
1st Floor Area	1,392 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,797 sqft (0.11 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam

Location & Zoning

Account Number	3-022-00023
Street Address	54 CHATHAM ST
City	WORCESTER
State	MA
Zip	01609-2447
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RG-5
Legal Block	22
Legal Lot Number	23
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	1
Census Block	1000
Census Tract	731500

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	54 CHATHAM ST, WORCESTER, MA 01609-2447
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance QS LENDING T
Sep 7, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance HOMEXPRESS MORTGAGE CORPORATION
Oct 9, 2025	Quit Claim Deed, Transfer Quitclaim
Aug 24, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance ENVOY MORTGAGE LTD
Aug 24, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance ENVOY MORTGAGE LTD
Dec 31, 2020	Quit Claim Deed, Transfer · Conventional with PMI LNDG T QS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2020 · Amount on Record
Deed Sale	Dec 31, 2020 · Amount on Record
Deed Book / Page	64131 / 355
Last Transfer Date	Oct 8, 2025
Transfer Doc	072652-294
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	54 CHATHAM ST, WORCESTER, MA 01609-2447
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067859-388
Date	Jul 5, 2022
Book Page	67859/388
Instrument	73237

Lender

Name	QS LENDING T

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	54 CHATHAM ST, WORCESTER, MA 01609-2447
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068183-37
Date	Sep 7, 2022
Book Page	68183/37
Instrument	98640

Lender

Name	HOMEXPRESS MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Oct 9, 2025
Property Address	54 CHATHAM ST, WORCESTER, MA 01609-2447
Document Number	072652-294
Book / Page	72652 / 294
Instrument Date	Oct 8, 2025
Instrument	87208
Transaction Type	Transfer
Record Updated	Oct 29, 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

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Aug 24, 2021
Property Address	54 CHATHAM ST, WORCESTER, MA 01609-2447
Document Number	65901-264
Book / Page	65901 / 264
Instrument Date	Aug 23, 2021
Instrument	118638
Transaction Type	Transfer
Record Updated	Sep 10, 2021

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
Address	14 CHESTNUT AVE, AUBURN, MA 01501-1721

Mortgage

Document Number	65901-267
Date	Aug 24, 2021
Book Page	65901/267
Instrument	118639

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

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

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Aug 24, 2021
Property Address	54 CHATHAM ST, WORCESTER, MA 01609-2447
Document Number	065901-264
Book / Page	65901 / 264
Instrument Date	Aug 23, 2021
Instrument	118638
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
Address	14 CHESTNUT AVE, AUBURN, MA 01501-1721

Mortgage

Document Number	0000118639
Date	Aug 24, 2021
Instrument	118639

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

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

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Dec 31, 2020
Property Address	54 CHATHAM ST, WORCESTER, MA 01609-2447
Document Number	64131-355
Book / Page	064131 / 000355
Instrument Date	Dec 28, 2020
Instrument	165296
Transaction Type	Transfer
Record Updated	Jan 19, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,306.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14 CHESTNUT AVE AUBURN MA 015011721, AUBURN, MA 01501-1721

Mortgage

Document Number	64131-359
Date	Dec 31, 2020
Book Page	064131/000359
Instrument	165297

Lender

Name	LNDG T QS

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

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
2026	$5,111.00 (+4.78%)	$384,900 (+4.08%) Land $52,900 Building $332,000	$527,544
2025	$4,878.00 (+14.16%)	$369,800 (+24.09%) Land $52,200 Building $317,600
2023	$4,273.00	$298,000 Land $41,300 Building $256,700

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

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

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 497 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.

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