Worcester County and Phillipston Town property record for 645 Royalston Rd, Phillipston, MA 01331
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,456 sqft · built 1900 |
| Lot Size | 0.998 acres (43,484 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $159,975 (Sep 2015) |
| Tax Bill | $3,697 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage |
| APN | PHIL M:00047 L:00002 |
| Primary APN | PHIL M:00047 L:00002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,456 sqft Living Area |
| Gross Area | 1,816 sqft |
| Basement Area | 144 sqft |
| Unfinished Basement | 144 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Colonial |
| Exterior Material | Combination |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 43,484 sqft (0.998 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 645 ROYALSTON RD |
|---|---|
| City | PHILLIPSTON |
| State | MA |
| Zip | 01331-9419 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 2 |
| Jurisdiction | PHILLIPSTON MA |
| Township / Civil Division | PHILLIPSTON |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 704201 |
645 Royalston Rd is owned and occupied by two individuals who acquired it in January 2025.
Source: Worcester County and Phillipston Town records, as of October 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 645 ROYALSTON RD, PHILLIPSTON, MA 01331-9419 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 22, 2015 · Amount on File |
| Deed Sale | Sep 22, 2015 · Amount on File |
| Prior Sale | Jan 25, 2010 · Amount on File |
| Deed Document Number | 201598457 |
| Deed Book / Page | 54326 / 249 |
| Last Transfer Date | Jan 31, 2025 |
| Transfer Doc | 071625-321 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PHILLIPSTON MA |
| Recording Date | Jul 3, 2026 |
| Property Address | 645 ROYALSTON RD, PHILLIPSTON, MA 01331-9419 |
| Document Number | 0000055760 |
| Book / Page | 73826 / 145 |
| Instrument Date | Jun 17, 2026 |
| Instrument | 202655760 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2026 |
| Name | Verified Name |
|---|---|
| Address | 645 ROYALSTON RD, PHILLIPSTON, MA 01331-9419 |
| Investor | Possibly a Property Investor |
| Document Number | 0000055760, |
|---|---|
| Date | Jul 3, 2026 |
| Book Page | 73826/145 |
| Instrument | 202655760 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | Aug 1, 2066 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
The 2026 property tax bill for 645 Royalston Rd was $3,697, up 2% from the year before.
Source: Worcester County and Phillipston Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Phillipston Town |
| Unified School District | Narragansett School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,697.00 (+1.96%) | $337,600 (+4.94%) Land $49,200 Building $288,400 | $321,575 (-) |
| 2025 | $3,626.00 (+9.15%) | $321,700 (+16.01%) Land $45,700 Building $276,000 | $321,575 (+17.62%) |
| 2024 | $3,322.00 (+2.94%) | $277,300 (+10.35%) Land $43,700 Building $233,600 | $273,410 |
| 2023 | $3,227.00 | $251,300 Land $43,700 Building $207,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA's flood maps do not cover 645 Royalston Rd; 2 flood insurance policies are in force nearby.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not included in the FIRM |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 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.
Wildfire risk around 645 Royalston Rd 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.
Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
5G and 4G LTE (outdoors only)
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