74 Water St, Worcester, MA 01604 Property Records

Worcester County and Worcester City property record for 74 Water St, Worcester, MA 01604

Property Summary

Property Type	Commercial Building, Warehouse, Showroom
Details	5,442 sqft · built 1900
Lot Size	0.156 acres (6,777 sqft)
Owner	Company Name on File
Last Sale	$1,050,000 (Jan 2022)
Tax Bill	$10,810 (2026)
Deeds & Mortgages	Feb 2023 Refinance Sep 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4-021-00003`

Property Details

APN / Parcel Number

Primary APN	`4-021-00003`
Alternative APN	`WORC M:04 B:021 L:00003`

Interior

Stories	1 Story
Building Area	5,442 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	6,777 sqft (0.156 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	4-021-00003
Street Address	74 WATER ST
City	WORCESTER
State	MA
Zip	01604
Property Category	Commercial
Property Type	Commercial > Retail > Commercial Building, Warehouse, Showroom
Local Zoning Code	BG-3
Legal Subdivision	FOX POND ESTATE
Legal Block	21
Legal Lot Number	3
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	1
Census Block	1016
Census Tract	732500

Owner

74 Water St, a commercial property, is owned by a company that bought it in January 2022.

Source: Worcester County and Worcester City records, as of October 20, 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	Company Name on File
Mailing Address	50 WATER ST, WORCESTER, MA 01604-5031
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance HOMETOWN BANK
Sep 28, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance HOMETOWN BANK
Jan 6, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HOMETOWN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2022 · Amount on File
Deed Sale	Jan 6, 2022 · Amount on File
Prior Sale	Jun 29, 2010
Deed Book / Page	66900 / 141
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	74 WATER ST, WORCESTER, MA 01604
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068869-25
Date	Feb 28, 2023
Book Page	68869/25
Instrument	16404

Lender

Name	HOMETOWN BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	74 WATER ST, WORCESTER, MA 01604
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068274-159
Date	Sep 28, 2022
Book Page	68274/159
Instrument	106018

Lender

Name	HOMETOWN BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Jan 6, 2022
Property Address	74 WATER ST, WORCESTER, MA 01604
Document Number	066900-141
Book / Page	66900 / 141
Instrument Date	Jan 6, 2022
Instrument	2056
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 WATER ST, WORCESTER, MA 01604-5031

Mortgage

Document Number	0000002057
Date	Jan 6, 2022
Instrument	2057

Lender

Name	HOMETOWN BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 74 Water St was $10,810, down 12.2% 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	$10,810.00 (-12.25%)	$372,000 (-13.61%) Land $161,600 Building $210,400
2025	$12,319.00	$430,600 Land $150,300 Building $280,300
2023	$8,831.00	$282,500 Land $130,700 Building $151,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 74 Water St in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1984.

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 File 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

The area around 74 Water 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 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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