Worcester County and Worcester City property record for 70 Cutler St, Worcester, MA 01604
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 2 ba · 2,046 sqft · built 1900 |
| Lot Size | 0.083 acres (3,599 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $600,000 (Nov 2025) |
| Tax Bill | $6,198 (2025) |
| Deeds & Mortgages | Jan 2021 Refinance Nov 2025 Sale & Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 4-032-00018 |
| Primary APN | 4-032-00018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,046 sqft Living Area |
| Gross Area | 4,304 sqft |
| 1st Floor Area | 1,023 sqft |
| Attic | Attic |
| Attic Area | 902 sqft |
| Basement Area | 1,122 sqft |
| Unfinished Basement | 1,122 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,599 sqft (0.083 acres) |
| Garage Type | Basement |
| Heating System | Steam |
|---|
| Account Number | 4-032-00018 |
|---|---|
| Street Address | 70 CUTLER ST |
| City | WORCESTER |
| State | MA |
| Zip | 01604-4812 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Block | 32 |
| Legal Lot Number | 18 |
| Jurisdiction | WORCESTER MA |
| Township / Civil Division | WORCESTER |
| Census Block Group | 6 |
| Census Block | 6005 |
| Census Tract | 732400 |
Source: Worcester County and Worcester City records · APN 4-032-00018
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 | 112 PONAKIN RD, LANCASTER, MA 01523-2426 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jan 04, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ARC HOME LLC |
| Nov 12, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage EMPORIUM TPO LLC |
| Oct 20, 2025 | Correction Deed |
| Feb 08, 2024 | Foreclosure |
| Jun 28, 2017 | Deed of Trust, Mortgage · Closed-End Mortgage RTN FCU |
| Apr 04, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance RTN FEDERAL CREDIT UNION |
| Nov 21, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 12, 2025 · Amount on Record |
| Deed Sale | Nov 12, 2025 · Amount on Record |
| Prior Sale | May 16, 2024 · Amount on Record |
| Deed Book / Page | 72815 / 306 |
| Prior Transfer Date | Oct 17, 2025 |
| Prior Transfer Doc | 072697-347 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 70 CUTLER ST, WORCESTER, MA 01604-4812 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 064136-377 |
|---|---|
| Date | Jan 04, 2021 |
| Book Page | 64136/377 |
| Instrument | 202100000231 |
| Name | ARC HOME LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WORCESTER MA |
| Recording Date | Nov 12, 2025 |
| Property Address | 70 CUTLER ST, WORCESTER, MA 01604-4812 |
| Document Number | 072815-306 |
| Book / Page | 72815 / 306 |
| Instrument Date | Nov 12, 2025 |
| Instrument | 202500098677 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 112 PONAKIN RD, LANCASTER, MA 01523-2426 |
| Document Number | 0000098678 |
|---|---|
| Date | Nov 12, 2025 |
| Instrument | 98678 |
| Name | EMPORIUM TPO LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | WORCESTER MA |
| Recording Date | Oct 20, 2025 |
| Property Address | 70 CUTLER ST, WORCESTER, MA 01604-4812 |
| Document Number | 072697-347 |
| Book / Page | 72697 / 347 |
| Instrument Date | Oct 17, 2025 |
| Instrument | 90389 |
| Record Updated | Nov 12, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 204 BROADWAY, REVERE, MA 02151-5007 |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | WORCESTER MA |
| Recording Date | Feb 08, 2024 |
| Property Address | 70 CUTLER ST, WORCESTER, MA 01604-4812 |
| Document Number | 070178-320 |
| Book / Page | 70178 / 320 |
| Instrument Date | Feb 06, 2024 |
| Instrument | 9906 |
| Transaction Type | Foreclosure |
| Record Updated | Feb 23, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5000 PLANO PKWY, CARROLLTON, TX 75010-4900 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 70 CUTLER ST, WORCESTER, MA 01604-4812 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 57330-55 |
|---|---|
| Date | Jun 28, 2017 |
| Book Page | 57330/55 |
| Instrument | 67321 |
| Name | RTN FCU |
|---|---|
| Type | Credit Union |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 01, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 70 CUTLER ST, WORCESTER, MA 01604-4812 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 60235-61 |
|---|---|
| Date | Apr 04, 2019 |
| Book Page | 60235/61 |
| Instrument | 29506 |
| Name | RTN FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | May 01, 2029 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WORCESTER MA |
| Recording Date | Nov 21, 2019 |
| Property Address | 70 CUTLER ST, WORCESTER, MA 01604-4812 |
| Document Number | 61460-32 |
| Book / Page | 61460 / 32 |
| Instrument Date | Nov 19, 2019 |
| Instrument | 125503 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 70 CUTLER ST, WORCESTER, MA 01604-4812 |
| Document Number | 125504 |
|---|---|
| Date | Nov 21, 2019 |
| Instrument | 125504 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Worcester County and Worcester City records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Worcester City |
| Unified School District | Worcester School District (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $6,198.00 (+14.4%) | $469,900 (+24.38%) Land $50,800 Building $419,100 |
| 2023 | $5,418.00 | $377,800 Land $40,800 Building $337,000 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 659 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | WORCESTER DPWP, WATER SUPPLY DIVISION serves 206,518 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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