65 Water St, Worcester, MA 01604 Property Records

Worcester County and Worcester City property record for 65 Water St, Worcester, MA 01604

Property Summary

Property Type	Office Building
Details	22,400 sqft · built 1900
Lot Size	0.332 acres (14,442 sqft)
Owner	Company Name on Record
Tax Bill	$29,606 (2026)
Deeds & Mortgages	Nov 2020 Refinance Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4-024-00012`

Property Details

APN / Parcel Number

Primary APN	`4-024-00012`
Alternative APN	`WORC M:04 B:024 L:00012`

Interior

Units	12 Units
Stories	3 Stories
Building Area	22,400 sqft Total Area
Gross Area	23,495 sqft
Basement Area	5,600 sqft
Unfinished Basement	5,600 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	14,442 sqft (0.332 acres)

Utilities, Heating & Cooling

Heating System	Steam

Location & Zoning

Account Number	4-024-00012
Street Address	65 WATER ST
City	WORCESTER
State	MA
Zip	01604-5041
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Local Zoning Code	BG-3
Legal Block	24
Legal Lot Number	12
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	1
Census Block	1015
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	125 BARBER AVE, WORCESTER, MA 01606-2436
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BAY STATE SAVINGS BANK
Oct 27, 2017	Quit Claim Deed, Transfer COUNTRY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2017
Deed Sale	Oct 27, 2017
Prior Sale	Oct 28, 1994 · Amount on Record
Deed Document Number	2017120216
Deed Book / Page	57955 / 24
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	65 WATER ST, WORCESTER, MA 01604-5041
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63755-329
Date	Nov 16, 2020
Book Page	63755/329
Instrument	139722

Lender

Name	BAY STATE SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Oct 27, 2017
Property Address	65 WATER ST, WORCESTER, MA 01604-5041
Document Number	57955-24
Book / Page	57955 / 24
Instrument	120216
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$405.43
Amount Accuracy	Non-Arm's Length Transaction
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 BARBER AVE, WORCESTER, MA 01606-2436

Mortgage

Document Number	57955-26
Date	Oct 27, 2017
Book Page	57955/26
Instrument	120217

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

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
2026	$29,606.00 (-41.58%)	$1,018,800 (-42.48%) Land $496,400 Building $522,400
2025	$50,677.00 (-4.56%)	$1,771,300 (+4.27%) Land $461,800 Building $1,309,500
2023	$53,101.00	$1,698,700 Land $401,600 Building $1,297,100

Assessed value is set for property tax purposes and is not a market price estimate.

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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