64 Water St, Worcester, MA 01604 Property Records

Worcester County and Worcester City property record for 64 Water St, Worcester, MA 01604

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	19,224 sqft · built 1900
Lot Size	0.158 acres (6,872 sqft)
Owner	Company Name on Record
Last Sale	$647,369 (Oct 2015)
Tax Bill	$45,197 (2026)
Deeds & Mortgages	Apr 2021 Refinance May 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4-021-00002`

Property Details

APN / Parcel Number

Primary APN	`4-021-00002`
Alternative APN	`WORC M:04 B:021 L:00002`

Interior

Units	19 Units
Stories	3 Stories
Building Area	19,224 sqft Total Area
Gross Area	22,263 sqft
Basement Area	2,592 sqft
Unfinished Basement	2,592 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	6,872 sqft (0.158 acres)

Utilities, Heating & Cooling

Heating System	Space Heater

Location & Zoning

Account Number	4-021-00002
Street Address	64 WATER ST
City	WORCESTER
State	MA
Zip	01604-5031
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	BG-3
Legal Block	21
Legal Lot Number	2
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	1
Census Block	1016
Census Tract	732500

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	1 KELLEY SQ, WORCESTER, MA 01610-2754
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK
May 24, 2017	Deed of Trust, Mortgage · Commercial Mortgage SOUTHBRIDGE SAVINGS BANK
Aug 27, 2020	Deed of Trust, Mortgage · Commercial Mortgage CORNERSTONE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2015 · Amount on Record
Deed Sale	Oct 30, 2015 · Amount on Record
Prior Sale	Oct 2, 2003 · Amount on Record
Deed Book / Page	54505 / 77
Transfer Doc	0054505-77
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	64 WATER ST, WORCESTER, MA 01604-5031
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	064833-273
Date	Apr 1, 2021
Book Page	64833/273
Instrument	44911

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	64 WATER ST, WORCESTER, MA 01604-5031
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57158-330
Date	May 24, 2017
Book Page	57158/330
Instrument	52704

Lender

Name	SOUTHBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	64 WATER ST, WORCESTER, MA 01604-5031
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63114-124
Date	Aug 27, 2020
Book Page	63114/124
Instrument	96854

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Commercial 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	Assessed Market Value
2026	$45,197.00	$3,403,400 (-6.19%) Land $454,400 Building $2,949,000	$691,380 (-34.66%)
2025		$3,627,800 (+178.06%) Land $131,400 Building $3,496,400
2024			$1,058,110
2023		$1,304,700 Land $114,300 Building $1,190,400
2017	$11,150.00

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
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	22 (1984–2016)
Claims Outside the SFHA	1 of 22
Most Recent Claim	Oct 2016 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Oct 2005 · 4 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	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 128 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
Starlink Satellite	280 / 30

May also be available: Verizon.

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