70 Cedar Rd, Holden, MA 01520 Property Records

Worcester County and Holden Town property record for 70 Cedar Rd, Holden, MA 01520

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,242 sqft · built 1977
Lot Size	0.774 acres (33,705 sqft)
Owner	Individual Name on Record
Tax Bill	$7,006 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`HOLD M:245 B:21`

Property Details

APN / Parcel Number

Primary APN	`HOLD M:245 B:21`
Alternative APNs	`M:00245 P:00021` `10823`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,242 sqft Living Area
Gross Area	2,778 sqft
1st Floor Area	1,242 sqft
Basement Area	550 sqft
Unfinished Basement	550 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	33,705 sqft (0.774 acres)

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Account Number	10823
Street Address	70 CEDAR RD
City	HOLDEN
State	MA
Zip	01520-1703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Subdivision	GARDEN GROVEN
Legal Block	21
Jurisdiction	HOLDEN MA
Township / Civil Division	HOLDEN
Census Block Group	4
Census Block	4010
Census Tract	728200

Owner

Source: Worcester County and Holden Town 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	Individual Name on Record
Mailing Address	70 CEDAR RD, HOLDEN, MA 01520-1703
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Deed of Trust, Mortgage · Line of Credit COUNTRY BANK
Apr 1, 2022	Deed of Trust, Mortgage · ARM MAIN STREET BANK (MA)
Aug 24, 2018	Deed of Trust, Mortgage ENVOY MORTGAGE LTD
Dec 4, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MAIN STREET BANK (MA)

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	70 CEDAR RD, HOLDEN, MA 01520-1703
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072899-193
Date	Dec 1, 2025
Book Page	72899/193
Instrument	104390

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	289 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	70 CEDAR RD, HOLDEN, MA 01520-1703
Transaction Type	Mortgage
Record Updated	Apr 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067368-374
Date	Apr 1, 2022
Book Page	67368/374
Instrument	36342

Lender

Name	MAIN STREET BANK (MA)

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.13%
Type Change Date	Apr 1, 2029
Index	1-Year CMT

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	70 CEDAR RD, HOLDEN, MA 01520-1703
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	59306-368
Date	Aug 24, 2018
Book Page	59306/368
Instrument	89263

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	70 CEDAR RD, HOLDEN, MA 01520-1703
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63898-381
Date	Dec 4, 2020
Book Page	63898/381
Instrument	149585

Lender

Name	MAIN STREET BANK (MA)

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,006.00 (+5.23%)	$519,700 (+8.18%) Land $215,500 Building $304,200	$555,097 (+23.51%)
2025	$6,658.00 (+1.98%)	$480,400 (+4.12%) Land $205,300 Building $275,100	$449,445
2024	$6,529.00 (+5.44%)	$461,400 (+11.69%) Land $199,000 Building $262,400
2023	$6,192.00	$413,100 Land $173,100 Building $240,000

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

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HOLDEN WATER DIVISION, DPW serves 18,016 people · EPA ID MA2134000
Water Source	Purchased surface water from WORCESTER DPWP, WATER SUPPLY DIVISION
Last State Inspection	Nov 2024
Lead	3 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 386 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Netafy.

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