732 River St, Winchendon, MA 01475 Property Records

Worcester County and Winchendon Town property record for 732 River St, Winchendon, MA 01475

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,750 sqft · built 1996
Lot Size	4.61 acres (200,986 sqft)
Owner	Individual Name on File
Last Sale	$375,000 (Jan 2022)
Tax Bill	$4,151 (2025)
Deeds & Mortgages	Jul 2026 Second Mortgage Jan 2022 Sale & Mortgage + 1 more
APN	`WINC M:4 B:0 L:164`

Property Details

APN / Parcel Number

Primary APN	`WINC M:4 B:0 L:164`
Alternative APN	`WCDN M:4 B:0 L:164`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,750 sqft Living Area
Gross Area	3,846 sqft
Basement Area	1,680 sqft
Unfinished Basement	1,680 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	200,986 sqft (4.61 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	732 RIVER ST
City	WINCHENDON
State	MA
Zip	01475-1906
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Lot Number	164
Jurisdiction	WINCHENDON MA
Township / Civil Division	WINCHENDON
Census Block Group	1
Census Block	1016
Census Tract	702202

Owner

732 River St is owned and occupied by an individual who bought it in January 2022.

Source: Worcester County and Winchendon Town records, as of August 5, 2026

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

Owner of Record	Individual Name on File
Mailing Address	732 RIVER ST, WINCHENDON, MA 01475-1906
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNION FEDERAL CREDIT UNION
Jan 28, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BAY EQUITY LLC
Mar 23, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2022 · Amount on File
Deed Sale	Jan 28, 2022 · Amount on File
Prior Sale	Mar 23, 2020 · Amount on File
Deed Document Number	202211574
Deed Book / Page	67029 / 219
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHENDON MA
Recording Date	Jul 15, 2026
Property Address	732 RIVER ST, WINCHENDON, MA 01475-1906
Document Number	0000059356
Book / Page	73876 / 314
Instrument Date	Jul 7, 2026
Instrument	202659356
Transaction Type	Mortgage
Record Updated	Aug 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	732 RIVER ST, WINCHENDON, MA 01475-1906

Mortgage

Document Number	0000059356,
Date	Jul 15, 2026
Book Page	73876/314
Instrument	202659356

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2041

Interest

Rate	5.84%
Max Rate	-1%

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHENDON MA
Recording Date	Jan 28, 2022
Property Address	732 RIVER ST, WINCHENDON, MA 01475-1906
Document Number	067029-219
Book / Page	67029 / 219
Instrument Date	Jan 28, 2022
Instrument	11574
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount 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	732 RIVER ST, WINCHENDON, MA 01475-1906

Mortgage

Document Number	0000011575
Date	Jan 28, 2022
Instrument	11575

Lender

Name	BAY EQUITY LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHENDON MA
Recording Date	Mar 23, 2020
Property Address	732 RIVER ST, WINCHENDON, MA 01475-1906
Document Number	62083-301
Book / Page	062083 / 000301
Instrument Date	Mar 23, 2020
Instrument	29706
Transaction Type	Transfer
Record Updated	Apr 7, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$1,146.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	732 RIVER ST WINCHENDON MA 014751906, WINCHENDON, MA 01475-1906

Tax Assessment & Valuation

The 2025 property tax bill for 732 River St was $4,151, up 3.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,151.00 (+3.46%)	$353,300 (+10.44%) Land $60,400 Building $292,900	$471,295 (+16.16%)
2024	$4,012.00 (+1.6%)	$319,900 (+8.55%) Land $59,100 Building $260,800	$405,745
2023	$3,949.00	$294,700 Land $56,900 Building $237,800

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

Flood

FEMA's flood maps do not cover 732 River St; 2 flood insurance policies are in force nearby.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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

Wildfire risk around 732 River St is low, with a 0.01% annual chance of 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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