Worcester County and Lancaster Town property record for 637 Sterling Rd, Lancaster, MA 01523
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,465 sqft · built 1970 |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $450,000 (Jul 2021) |
| Tax Bill | $7,745 (2025) |
| Deeds & Mortgages | Apr 2020 Refinance Jul 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | LANC M:041.0 B:0000 L:0002.0 |
| Primary APN | LANC M:041.0 B:0000 L:0002.0 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,465 sqft Living Area |
| Gross Area | 1,105 sqft |
| 1st Floor Area | 1,465 sqft |
| Basement Area | 1,105 sqft |
| Unfinished Basement | 1,105 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 18,295 sqft (0.42 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Radiant |
| Heating Fuel | Electric |
| Street Address | 637 STERLING RD |
|---|---|
| City | LANCASTER |
| State | MA |
| Zip | 01523-2910 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | 2.0 |
| Jurisdiction | LANCASTER MA |
| Township / Civil Division | LANCASTER |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 713100 |
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 | 637 STERLING RD, LANCASTER, MA 01523-2910 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 22, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance TOTAL MORTGAGE SERVICES LLC |
| Jul 15, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage DIGITAL FCU |
| Sep 29, 2017 | Quit Claim Deed, Transfer VILLAGE MORTGAGE CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2021 · Amount on Record |
| Deed Sale | Jul 15, 2021 · Amount on Record |
| Prior Sale | Sep 29, 2017 · Amount on Record |
| Deed Book / Page | 65620 / 313 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 637 STERLING RD, LANCASTER, MA 01523-2910 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 062252-232 |
|---|---|
| Date | Apr 22, 2020 |
| Book Page | 62252/232 |
| Instrument | 40153 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LANCASTER MA |
| Recording Date | Jul 15, 2021 |
| Property Address | 637 STERLING RD, LANCASTER, MA 01523-2910 |
| Document Number | 065620-313 |
| Book / Page | 65620 / 313 |
| Instrument Date | Jul 15, 2021 |
| Instrument | 98576 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 637 STERLING RD, LANCASTER, MA 01523-2910 |
| Document Number | 0000098577 |
|---|---|
| Date | Jul 15, 2021 |
| Instrument | 98577 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LANCASTER MA |
| Recording Date | Sep 29, 2017 |
| Property Address | 637 STERLING RD, LANCASTER, MA 01523-2910 |
| Document Number | 057817-343 |
| Book / Page | 57817 / 343 |
| Instrument | 108447 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $42.29 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 637 STERLING RD, LANCASTER, MA 01523-2910 |
| Document Number | 0578170345 |
|---|---|
| Date | Sep 29, 2017 |
| Instrument | 57817/0345 |
| Name | VILLAGE MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 29, 2047 |
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 | $7,745.00 (+4.54%) | $479,300 (+11.21%) Land $106,700 Building $372,600 | $567,245 (+1.25%) |
| 2024 | $560,215 | ||
| 2023 | $7,409.00 | $431,000 Land $90,300 Building $340,700 |
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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