Worcester County and Lancaster Town property record for 546 Sterling Rd, Lancaster, MA 01523
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 4.5 ba · 4,600 sqft · built 1982 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $590,000 (Mar 2020) |
| Tax Bill | $12,988 (2025) |
| Deeds & Mortgages | Aug 2018 Line of Credit Mar 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | LANC M:041.0 B:0000 L:0034.0 |
| Primary APN | LANC M:041.0 B:0000 L:0034.0 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 15 Rooms |
| Units | 2 Units |
| Stories | 3 Stories |
| Building Area | 4,600 sqft Living Area |
| 1st Floor Area | 2,160 sqft |
| Basement Area | 1,360 sqft |
| Unfinished Basement | 1,360 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 546 STERLING RD |
|---|---|
| City | LANCASTER |
| State | MA |
| Zip | 01523-2909 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Lot Number | 34.0 |
| Jurisdiction | LANCASTER MA |
| Township / Civil Division | LANCASTER |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 713100 |
Source: Worcester County and Lancaster Town 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 546 STERLING RD, LANCASTER, MA 01523-2909 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 14, 2018 | Deed of Trust, Mortgage · Line of Credit AVIDIA BANK |
| Mar 31, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 31, 2020 · Amount on Record |
| Deed Sale | Mar 31, 2020 · Amount on Record |
| Prior Sale | Aug 19, 2015 · Amount on Record |
| Deed Document Number | 202033159 |
| Deed Book / Page | 62138 / 3 |
| Prior Transfer Date | Mar 25, 2020 |
| Prior Transfer Doc | 62138-3 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 546 STERLING RD, LANCASTER, MA 01523-2909 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 59252-124 |
|---|---|
| Date | Aug 14, 2018 |
| Book Page | 59252/124 |
| Instrument | 84613 |
| Name | AVIDIA BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 1, 2038 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LANCASTER MA |
| Recording Date | Mar 31, 2020 |
| Property Address | 546 STERLING RD, LANCASTER, MA 01523-2909 |
| Document Number | 62138-3 |
| Book / Page | 062138 / 000003 |
| Instrument Date | Mar 25, 2020 |
| Instrument | 33159 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,690.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 546 STERLING RD LANCASTER MA 015232909, LANCASTER, MA 01523-2909 |
Source: Worcester County and Lancaster Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Lancaster Town |
| Unified School District | Nashoba School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,988.00 (+27.43%) | $803,700 (+35.55%) Land $130,000 Building $673,700 | $603,338 |
| 2023 | $10,192.00 | $592,900 Land $110,000 Building $482,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 4 in force |
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LANCASTER WATER DEPARTMENT serves 6,000 people · EPA ID MA2147000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2026 |
| Lead | 17 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 65 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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