78 1/2 Elm St, Worcester, MA 01609 Property Records

Worcester County and Worcester City property record for 78 1/2 Elm St, Worcester, MA 01609 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,497 sqft · built 1935
Lot Size	0.121 acres (5,264 sqft)
Owner	Individual Name on File
Last Sale	$432,000 (Dec 2022)
Tax Bill	$5,331 (2025)
Deeds & Mortgages	Jan 2021 Refinance Dec 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-027-00033`

Property Details

APN / Parcel Number

Primary APN	`3-027-00033`
Alternative APN	`WORC M:03 B:027 L:00033`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,497 sqft Living Area
Gross Area	4,957 sqft
1st Floor Area	1,101 sqft
Attic	Attic
Attic Area	1,101 sqft
Basement Area	1,176 sqft
Unfinished Basement	1,176 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Colonial
Exterior Material	Stone
Construction Type	Brick
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	5,264 sqft (0.121 acres)

Utilities, Heating & Cooling

Heating System	Steam

Location & Zoning

Account Number	3-027-00033
Street Address	78 1/2 ELM ST
City	WORCESTER
State	MA
Zip	01609-3355
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	27
Legal Lot Number	33
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3007
Census Tract	731601

Owner

Source: Worcester County and Worcester City records · APN 3-027-00033

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	Individual Name on File
Mailing Address	78 1/2 ELM ST, WORCESTER, MA 01609-3355
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MOVEMENT MORTGAGE
Dec 28, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROCKLAND TRUST CO
Feb 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance RESIDENTIAL MORTGAGE SERVICES
Mar 29, 2017	Quit Claim Deed, Transfer RESIDENTIAL MTG SVCS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 28, 2022 · Amount on Record
Deed Sale	Dec 28, 2022 · Amount on Record
Prior Sale	Mar 29, 2017 · Amount on Record
Deed Book / Page	68656 / 347
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	78 1/2 ELM ST, WORCESTER, MA 01609-3355
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0064310-58
Date	Jan 25, 2021
Book Page	64310/58
Instrument	11205

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Dec 28, 2022
Property Address	78 1/2 ELM ST, WORCESTER, MA 01609-3355
Document Number	068656-347
Book / Page	68656 / 347
Instrument Date	Dec 28, 2022
Instrument	135982
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Relationship	Tenants by the Entirety
Address	78 ELM ST APT 2-1, 2, WORCESTER, MA 01609-2365

Mortgage

Document Number	0000135983
Date	Dec 28, 2022
Instrument	135983

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	78 1/2 ELM ST, WORCESTER, MA 01609-3355
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	061967-316
Date	Feb 28, 2020
Book Page	61967/316
Instrument	21287

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2050

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Mar 29, 2017
Property Address	78 1/2 ELM ST, WORCESTER, MA 01609-3355
Document Number	056903-379
Book / Page	56903 / 379
Instrument	30959
Transaction Type	Transfer
Record Updated	Jul 28, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$33.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0569030383
Date	Mar 29, 2017
Instrument	56903/0383

Lender

Name	RESIDENTIAL MTG SVCS

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2047

Tax Assessment & Valuation

Source: Worcester County and Worcester City records · Assessment roll updated April 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,331.00 (+7.85%)	$404,200 (+17.26%) Land $55,300 Building $348,900	$528,675 (+6.2%)
2024			$497,800
2023	$4,943.00	$344,700 Land $43,700 Building $301,000

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

78 1/2 Elm St, Worcester, MA 01609 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2022: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2017: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Nearby Properties on Elm St

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