640 Central St, Boylston, MA 01505 Property Records

Worcester County and Boylston Town property record for 640 Central St, Boylston, MA 01505

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,299 sqft · built 2002
Lot Size	6.5 acres (283,500 sqft)
Owner	Trust Name on File
Last Sale	$422,500 (Nov 2013)
Tax Bill	$9,887 (2025)
Deeds & Mortgages	Apr 2021 Refinance Mar 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`BOYL M:27 B:1`

Property Details

APN / Parcel Number

Primary APN	`BOYL M:27 B:1`
Alternative APN	`M:0027 B:0001 L:0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,299 sqft Living Area
Gross Area	4,680 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2010
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	283,500 sqft (6.5 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	640 CENTRAL ST
City	BOYLSTON
State	MA
Zip	01505-1543
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Jurisdiction	BOYLSTON MA
Township / Civil Division	BOYLSTON
Census Block Group	1
Census Block	1047
Census Tract	718100

Owner

640 Central St is owner-occupied and held in a trust since November 2013.

Source: Worcester County and Boylston Town records, as of July 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Trust Name on File
Mailing Address	640 CENTRAL ST, BOYLSTON, MA 01505-1543
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CENTRAL ONE FEDERAL CREDIT UNION
Mar 9, 2026	Deed of Trust, Mortgage CENTRAL ONE FCU
Oct 23, 2023	Quit Claim Deed, Transfer Quitclaim
Sep 12, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CENTRAL ONE FEDERAL CREDIT UNION
Apr 3, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CENTRAL ONE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2013 · Amount on File
Deed Sale	Nov 22, 2013 · Amount on File
Prior Sale	Jul 1, 2003 · Amount on File
Deed Book / Page	51773 / 21
Transfer Doc	0051773-21
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOYLSTON MA
Property Address	640 CENTRAL ST, BOYLSTON, MA 01505-1543
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065010-211
Date	Apr 26, 2021
Book Page	65010/211
Instrument	56538

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	May 1, 2031

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOYLSTON MA
Property Address	640 CENTRAL ST, BOYLSTON, MA 01505-1543
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	073286-352
Date	Mar 9, 2026
Book Page	73286/352
Instrument	17692

Lender

Name	CENTRAL ONE FCU

Agreement

Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BOYLSTON MA
Recording Date	Oct 23, 2023
Property Address	640 CENTRAL ST, BOYLSTON, MA 01505-1543
Document Number	069791-282
Book / Page	69791 / 282
Instrument Date	Oct 12, 2023
Instrument	88264
Transaction Type	Transfer
Record Updated	Nov 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 CENTRAL ST, BOYLSTON, MA 01505-1543

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOYLSTON MA
Property Address	640 CENTRAL ST, BOYLSTON, MA 01505-1543
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61036-273
Date	Sep 12, 2019
Book Page	61036/273
Instrument	93447

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	61 Months
Due	Oct 1, 2024

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOYLSTON MA
Property Address	640 CENTRAL ST, BOYLSTON, MA 01505-1543
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62155-25
Date	Apr 3, 2020
Book Page	62155/25
Instrument	34192

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	May 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 640 Central St was $9,887, up 9.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,887.00 (+9.2%)	$714,900 (+9.05%) Land $229,100 Building $485,800	$719,245 (-1.01%)
2024	$9,054.00 (+1.55%)	$655,600 (+5.88%) Land $229,100 Building $426,500	$726,560
2023	$8,916.00	$619,200 Land $229,100 Building $390,100

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

Flood

FEMA maps place 640 Central St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1979–2016)
Most Recent Claim	Oct 2016 · rainfall accumulation

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

Wildfire risk around 640 Central St is low, with a 0.01% annual chance of 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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