54 Elm St, Worcester, MA 01609 Property Records

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

Property Summary

Property Type	Single Family Home
Details	9 bd · 5 ba · 12,312 sqft · built 1900
Lot Size	0.365 acres (15,911 sqft)
Owner	Company Name on Record
Last Sale	$1,100,000 (Mar 2023)
Tax Bill	$18,115 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`3-028-00007`

Property Details

APN / Parcel Number

Primary APN	`3-028-00007`
Alternative APN	`WORC M:03 B:028 L:00007`

Interior

Bedrooms	9 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	17 Rooms
Stories	3 Stories
Building Area	12,312 sqft Living Area
Gross Area	18,996 sqft
1st Floor Area	6,168 sqft
Attic	Attic
Attic Area	598 sqft
Basement Area	4,236 sqft
Unfinished Basement	4,236 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	15,911 sqft (0.365 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	3-028-00007
Street Address	54 ELM ST
City	WORCESTER
State	MA
Zip	01609-2513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BO-1
Legal Block	28
Legal Lot Number	7
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3008
Census Tract	731601

Historic Designation

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

Individually Listed	Hogg, William, House listed 1980 · 1 contributing resources · NRIS 80000576

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

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 ELM ST, WORCESTER, MA 01609-2513
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2026	Deed of Trust, Mortgage BAY STATE SAVINGS BANK
Mar 3, 2023	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2023 · Amount on Record
Deed Sale	Mar 3, 2023 · Amount on Record
Prior Sale	Apr 2, 1999 · Amount on Record
Deed Document Number	202317634
Deed Book / Page	68885 / 29
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	54 ELM ST, WORCESTER, MA 01609-2513
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	073297-269
Date	Mar 11, 2026
Book Page	73297/269
Instrument	18420

Lender

Name	BAY STATE SAVINGS BANK

Agreement

Amount	Amount Recorded

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Mar 3, 2023
Property Address	54 ELM ST, WORCESTER, MA 01609-2513
Document Number	0068885-29
Book / Page	68885 / 29
Instrument Date	Mar 3, 2023
Instrument	17634
Transaction Type	Transfer
Record Updated	Mar 17, 2023

Transaction

Amount	Amount Recorded
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	54 ELM ST, WORCESTER, MA 01609-2513

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	$18,115.00 (+1.73%)	$1,364,100 (+1.04%) Land $66,300 Building $1,297,800	$1,307,167 (+1.3%)
2025	$17,807.00 (+60.45%)	$1,350,000 (+74.44%) Land $65,500 Building $1,284,500	$1,290,385 (+7.44%)
2024			$1,200,990
2023	$11,098.00	$773,900 Land $51,800 Building $722,100

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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