55 Derby St, Worcester, MA 01604 Property Records

Worcester County and Worcester City property record for 55 Derby St, Worcester, MA 01604 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1983
Lot Size	0.194 acres (8,453 sqft)
Owner	2 Individual Names on File
Last Sale	$234,999 (Jan 2019)
Tax Bill	$4,735 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`35-020-66-69`

Property Details

APN / Parcel Number

Primary APN	`35-020-66-69`
Alternative APNs	`WORC M:35 B:020 L:66-69` `M:35 B:020 L:66=69`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	2,144 sqft
1st Floor Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,453 sqft (0.194 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	35-020-66-69
Street Address	55 DERBY ST
City	WORCESTER
State	MA
Zip	01604-5316
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	20
Legal Lot Number	66-69
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3009
Census Tract	732802

Owner

Source: Worcester County and Worcester City records · APN 35-020-66-69

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	55 DERBY ST, WORCESTER, MA 01604-5316
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jan 07, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jan 18, 2019	Quit Claim Deed, Transfer · VA Mortgage Quitclaim

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 18, 2019 · Amount on Record
Deed Sale	Jan 18, 2019 · Amount on Record
Deed Document Number	20195430
Deed Book / Page	59952 / 390
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	55 DERBY ST, WORCESTER, MA 01604-5316
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63569-321
Date	Oct 23, 2020
Book Page	63569/321
Instrument	127035

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Nov 01, 2049

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	55 DERBY ST, WORCESTER, MA 01604-5316
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61710-251
Date	Jan 07, 2020
Book Page	61710/251
Instrument	1670

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Feb 01, 2049

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Jan 18, 2019
Property Address	55 DERBY ST, WORCESTER, MA 01604-5316
Document Number	59952-390
Book / Page	59952 / 390
Instrument Date	Dec 31, 2018
Instrument	5430
Transaction Type	Transfer
Record Updated	Feb 06, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 DERBY ST, WORCESTER, MA 01604-5316
Investor	Possibly a Property Investor

Mortgage

Document Number	-
Date	Jan 18, 2019
Instrument	5431

Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Worcester County and Worcester City records · Assessment roll updated April 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,735.00 (+4.9%)	$359,000 (+14.04%) Land $118,100 Building $240,900	$347,605 (+10.54%)
2024			$314,450
2023	$4,514.00	$314,800 Land $102,700 Building $212,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277328023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low above 2% of the US · above 4% of Massachusetts
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 656 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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