55 Pearl St, Worcester, MA 01608 Property Records

Worcester County and Worcester City property record for 55 Pearl St, Worcester, MA 01608

Property Summary

Property Type	Restaurant
Details	12,270 sqft · built 1876
Lot Size	0.154 acres (6,710 sqft)
Owner	Company Name on Record
Last Sale	$1,160,000 (Jan 2020)
Tax Bill	$44,497 (2026)
Deeds & Mortgages	Jul 2017 Mortgage May 2019 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3-031-00028`

Property Details

APN / Parcel Number

Primary APN	`3-031-00028`
Alternative APN	`WORC M:03 B:031 L:00028`

Interior

Stories	4 Stories
Building Area	12,270 sqft Total Area
Gross Area	15,280 sqft
Basement Area	2,298 sqft
Unfinished Basement	2,298 sqft
Elevator	Elevator

Exterior

Year Built	Built 1876
Effective Year Built	Effective 1876
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Slate
Lot Area	6,710 sqft (0.154 acres)

Utilities, Heating & Cooling

Heating System	Space Heater

Location & Zoning

Account Number	3-031-00028
Street Address	55 PEARL ST
City	WORCESTER
State	MA
Zip	01608-2406
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Local Zoning Code	BG-6
Legal Block	31
Legal Lot Number	28
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3004
Census Tract	731700

Historic Designation

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

Individually Listed	G.A.R. Hall listed 1975 · 1 contributing resources · NRIS 75000303

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	1635 MINERAL SPRING AVE, 12, NORTH PROVIDENCE, RI 02904-4025
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2017	Deed of Trust, Mortgage · Commercial Mortgage COUNTRY BANK
May 29, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance AXOS BANK
May 29, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance AXOS BANK
Dec 11, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance HORIZON BEVERAGE CO
Jan 23, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BANK RHODE ISLAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 23, 2020 · Amount on Record
Deed Sale	Jan 23, 2020 · Amount on Record
Prior Sale	Mar 24, 2016 · Amount on Record
Deed Document Number	20207457
Deed Book / Page	61786 / 87
Prior Transfer Date	Jan 21, 2020
Prior Transfer Doc	61786-87
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	55 PEARL ST, WORCESTER, MA 01608-2406
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57449-213
Date	Jul 20, 2017
Book Page	57449/213
Instrument	77396

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	55 PEARL ST, WORCESTER, MA 01608-2406
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60467-196
Date	May 29, 2019
Book Page	60467/196
Instrument	48300

Lender

Name	AXOS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	55 PEARL ST, WORCESTER, MA 01608-2406
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60467-165
Date	May 29, 2019
Book Page	60467/165
Instrument	48299

Lender

Name	AXOS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	55 PEARL ST, WORCESTER, MA 01608-2406
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61567-52
Date	Dec 11, 2019
Book Page	61567/52
Instrument	133948

Lender

Name	HORIZON BEVERAGE CO

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Jan 23, 2020
Property Address	55 PEARL ST, WORCESTER, MA 01608-2406
Document Number	61786-87
Book / Page	61786 / 87
Instrument Date	Jan 21, 2020
Instrument	7457
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	METROPOLITAN TITLE AGENCY

Transaction

Amount	Amount Recorded
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
Address	1395 ATWOOD AVE, JOHNSTON, RI 02919-4929

Mortgage

Document Number	7459
Date	Jan 23, 2020
Instrument	7459

Lender

Name	BANK RHODE ISLAND
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
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
2026	$44,497.00 (-8.58%)	$1,531,200 (-1%) Land $321,000 Building $1,210,200
2025	$48,674.00 (+38.49%)	$1,701,300 (+51.32%) Land $298,600 Building $1,402,700
2023	$35,146.00	$1,124,300 Land $259,600 Building $864,700

Assessed value is set for property tax purposes and is not a market price estimate.

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 174 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
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20

May also be available: T-Mobile.

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