550 Packard St, Lancaster, MA 01523 Property Records

Worcester County and Lancaster Town property record for 550 Packard St, Lancaster, MA 01523

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1966
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Jan 2014)
Tax Bill	$6,159 (2025)
Deeds & Mortgages	Dec 2023 Refinance Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`LANC M:034.0 B:0000 L:0069.0`

Property Details

APN / Parcel Number

Primary APN	`LANC M:034.0 B:0000 L:0069.0`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	460 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,136 sqft (0.6 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	550 PACKARD ST
City	LANCASTER
State	MA
Zip	01523-2268
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	69.0
Jurisdiction	LANCASTER MA
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1021
Census Tract	713100

Owner

Source: Worcester County and Lancaster Town records, as of July 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	550 PACKARD ST, LANCASTER, MA 01523-2268
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance PEOPLESBANK (HOLYOKE MA)
Nov 6, 2020	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Aug 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage WORKERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2014 · Amount on Record
Deed Sale	Jan 16, 2014 · Amount on Record
Prior Sale	Aug 6, 2009 · Amount on Record
Deed Book / Page	51951 / 141
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER MA
Property Address	550 PACKARD ST, LANCASTER, MA 01523-2268
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069967-113
Date	Dec 7, 2023
Book Page	69967/113
Instrument	102468

Lender

Name	PEOPLESBANK (HOLYOKE MA)

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Jan 1, 2034

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER MA
Property Address	550 PACKARD ST, LANCASTER, MA 01523-2268
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	063694-180
Date	Nov 6, 2020
Book Page	63694/180
Instrument	135498

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2040

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER MA
Property Address	550 PACKARD ST, LANCASTER, MA 01523-2268
Document Number	61160-98
Instrument Date	Aug 28, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 PACKARD ST LANCASTER MA 015232268, LANCASTER, MA 01523-2268

Mortgage

Document Number	61160-98
Date	Oct 1, 2019
Book Page	061160/000098
Instrument	102832

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 30, 2039

Tax Assessment & Valuation

Source: Worcester County and Lancaster Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Lancaster Town
Unified School District	Nashoba School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,159.00 (+8.47%)	$381,100 (+15.38%) Land $111,300 Building $269,800	$466,735 (+2.57%)
2024			$455,050
2023	$5,678.00	$330,300 Land $94,200 Building $236,100

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 · 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	2 in force
Nearby Flood Claims	27 (1978–2010)
Claims Outside the SFHA	4 of 27
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 4 claims Severe Storms & Flooding, Apr 1987 · 3 claims

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.

Wildfire

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	Direct burnable vegetation

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	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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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