650 Main St, Worcester, MA 01610 Property Records

Worcester County and Worcester City property record for 650 Main St, Worcester, MA 01610

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	3 bd · 1 ba · 4,971 sqft · built 1930
Lot Size	0.116 acres (5,043 sqft)
Owner	Company Name on File
Last Sale	$270,000 (Dec 2019)
Tax Bill	$12,429 (2026)
Deeds & Mortgages	Nov 2022 Mortgage Dec 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-014-00001`

Property Details

APN / Parcel Number

Primary APN	`3-014-00001`
Alternative APN	`WORC M:03 B:014 L:00001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	4,971 sqft Total Area
Gross Area	5,047 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	5,043 sqft (0.116 acres)

Utilities, Heating & Cooling

Heating System	Space Heater

Location & Zoning

Account Number	3-014-00001
Street Address	650 MAIN ST
City	WORCESTER
State	MA
Zip	01610-3124
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	BG-3
Legal Block	14
Legal Lot Number	1
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	1
Census Block	1013
Census Tract	731700

Owner

650 Main St, a commercial property, is owned by a company that bought it in December 2019.

Source: Worcester County and Worcester City records, as of October 20, 2026

Owner of Record	Company Name on File
Mailing Address	234 W MAIN ST, WESTBOROUGH, MA 01581-3823
Owner Type	Company
Vesting	Company

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

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2022	Deed of Trust, Mortgage · Commercial Mortgage MILLBURY NATIONAL BANK
Dec 29, 2022	Deed of Trust, Mortgage · Commercial Mortgage MILLBURY NATIONAL BANK
Dec 6, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MILLBURY NATIONAL BANK
Jun 9, 2017	Quit Claim Deed, Transfer · Conventional Mortgage JOHN KARAMANOS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2019 · Amount on File
Deed Sale	Dec 6, 2019 · Amount on File
Prior Sale	Jun 9, 2017 · Amount on File
Deed Document Number	2019131889
Deed Book / Page	61542 / 20
Prior Transfer Date	Nov 26, 2019
Prior Transfer Doc	61542-20
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	650 MAIN ST, WORCESTER, MA 01610-3124
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068522-343
Date	Nov 22, 2022
Book Page	68522/343
Instrument	125349

Lender

Name	MILLBURY NATIONAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	650 MAIN ST, WORCESTER, MA 01610-3124
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068668-161
Date	Dec 29, 2022
Book Page	68668/161
Instrument	136855

Lender

Name	MILLBURY NATIONAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Dec 6, 2019
Property Address	650 MAIN ST, WORCESTER, MA 01610-3124
Document Number	61542-20
Book / Page	61542 / 20
Instrument Date	Nov 26, 2019
Instrument	131889
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	234 W MAIN ST, WESTBOROUGH, MA 01581-3823

Mortgage

Document Number	131890
Date	Dec 6, 2019
Instrument	131890

Lender

Name	MILLBURY NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Jun 9, 2017
Property Address	650 MAIN ST, WORCESTER, MA 01610-3124
Document Number	57240-339
Book / Page	057240 / 000339
Instrument Date	May 3, 2017
Instrument	59600
Transaction Type	Transfer
Record Updated	Jun 27, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,048.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	105 SALEM ST #B MALDEN MA 021485207, B, MALDEN, MA 02148-5207

Mortgage

Document Number	57240-343
Date	Jun 9, 2017
Book Page	057240/000343
Instrument	59601

Lender

Name	JOHN KARAMANOS
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 650 Main St was $12,429, up 1.6% from the year before.

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	$12,429.00 (+1.58%)	$427,700 (-) Land $146,900 Building $280,800
2025	$12,236.00	$427,700 Land $136,600 Building $291,100
2023	$9,616.00	$307,600 Land $118,800 Building $188,800

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

Flood

FEMA maps place 650 Main St in Zone X, an area of minimal flood risk, though there have been 49 flood claims nearby since 1978.

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
Nearby Flood Claims	49 (1978–1987)
Claims Outside the SFHA	8 of 49
Most Recent Claim	Apr 1987 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Apr 1987 · 2 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

The area around 650 Main St has no burnable land within ember reach, so its wildfire risk is not rated.

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 497 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.

Nearby Properties on Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures