Worcester County and Lancaster Town property record for 648 Main St, Lancaster, MA 01523 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,580 sqft · built 1883 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $115,000 (Mar 1999) |
| Tax Bill | $11,601 (2025) |
| Deeds & Mortgages | Jan 2021 Refinance May 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | LANC M:034.0 B:0000 L:0036.0 |
| Primary APN | LANC M:034.0 B:0000 L:0036.0 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 3 Stories |
| Building Area | 3,580 sqft Living Area |
| Gross Area | 4,107 sqft |
| 1st Floor Area | 1,793 sqft |
| Basement Area | 1,679 sqft |
| Unfinished Basement | 1,679 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1883 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,939 sqft (0.32 acres) |
| Garage Type | Basement |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 648 MAIN ST |
|---|---|
| City | LANCASTER |
| State | MA |
| Zip | 01523-2243 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | 36.0 |
| Jurisdiction | LANCASTER MA |
| Township / Civil Division | LANCASTER |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 713100 |
Source: Worcester County and Lancaster Town records · APN LANC M:034.0 B:0000 L:0036.0
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 648 MAIN ST, LANCASTER, MA 01523-2243 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 06, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ENTERPRISE BANK & TRUST CO |
| May 05, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LEOMINSTER CU |
| Dec 17, 2024 | Deed of Trust, Mortgage · Line of Credit ALL ONE CREDIT UNION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 08, 1999 · Amount on Record |
| Deed Sale | Mar 08, 1999 · Amount on Record |
| Deed Book / Page | 21125 / 355 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 648 MAIN ST, LANCASTER, MA 01523-2243 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Name | Verified Name |
|---|
| Document Number | 064162-260 |
|---|---|
| Date | Jan 06, 2021 |
| Book Page | 64162/260 |
| Instrument | 1790 |
| Name | ENTERPRISE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 648 MAIN ST, LANCASTER, MA 01523-2243 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0065097-97 |
|---|---|
| Date | May 05, 2021 |
| Book Page | 65097/97 |
| Instrument | 62120 |
| Name | LEOMINSTER CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER MA |
| Property Address | 648 MAIN ST, LANCASTER, MA 01523-2243 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Name | Verified Name |
|---|
| Document Number | 071426-255 |
|---|---|
| Date | Dec 17, 2024 |
| Book Page | 71426/255 |
| Instrument | 104852 |
| Name | ALL ONE CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 253 Months |
| Due | Jan 01, 2046 |
| Rate Type | Adjustable Rate |
|---|
Source: Worcester County and Lancaster Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Lancaster Town |
| Unified School District | Nashoba School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,601.00 (+7.74%) | $717,900 (+14.61%) Land $102,600 Building $615,300 | $897,275 (-12.58%) |
| 2024 | $1,026,380 | ||
| 2023 | $10,768.00 | $626,400 Land $86,800 Building $539,600 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277131001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 2 individual NFIP policies nearby |
| Nearby Flood Policies | 2 in force 1 of 2 on primary residences |
| Nearby Flood Claims | 27 (1978–2010) |
| Claims Outside the SFHA | 4 of 27 |
| Most Recent Claim | Mar 2010, river or lake flooding, Severe Storms And Flooding |
| Flood Events |
|
| Wildfire Risk | Low above 20% of the US · above 58% of Massachusetts |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026
| Historic District | Within the Center Village District listed 1977 · 74 contributing resources · NRIS 77000198 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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