78 Carter Rd, Worcester, MA 01609 Property Records

Worcester County and Worcester City property record for 78 Carter Rd, Worcester, MA 01609

Property Summary

Property Type	Single Family Home
Details	5 bd · 7.5 ba · 5,733 sqft · built 2001
Lot Size	2.12 acres (92,714 sqft)
Owner	2 Trust Names on Record
Last Sale	$1,650,000 (May 2025)
Tax Bill	$15,432 (2025)
Deeds & Mortgages	Mar 2021 Refinance May 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`50-006-18+19`

Property Details

APN / Parcel Number

Primary APN	`50-006-18+19`
Alternative APN	`WORC M:50 B:006 L:18+19`

Interior

Bedrooms	5 Beds
Full Baths	7.5 Baths
Half Baths	3 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	5,733 sqft Living Area
Gross Area	12,772 sqft
1st Floor Area	3,281 sqft
Attic	Attic
Attic Area	1,797 sqft
Basement Area	1,748 sqft
Unfinished Basement	1,748 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	92,714 sqft (2.12 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Gravity Furnace

Location & Zoning

Account Number	50-006-18+19
Street Address	78 CARTER RD
City	WORCESTER
State	MA
Zip	01609-1038
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Block	6
Legal Lot Number	18+19
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	1
Census Block	1000
Census Tract	730700

Owner

Source: Worcester County and Worcester City records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Trust Names on Record
Mailing Address	1301 ATWOOD AVE, 215, JOHNSTON, RI 02919-4933
Owner Type	Individual
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
May 2, 2025	Quit Claim Deed, Transfer
Aug 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage LEOMINSTER CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2025 · Amount on Record
Deed Sale	May 2, 2025 · Amount on Record
Prior Sale	Mar 16, 1990 · Amount on Record
Deed Book / Page	71936 / 39
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	78 CARTER RD, WORCESTER, MA 01609-1038
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064745-356
Date	Mar 23, 2021
Book Page	64745/356
Instrument	39715

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2031

May 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	May 2, 2025
Property Address	78 CARTER RD, WORCESTER, MA 01609-1038
Document Number	0071936-39
Book / Page	71936 / 39
Instrument Date	Apr 23, 2025
Instrument	34476
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount Recorded
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	78 CARTER RD, WORCESTER, MA 01609-1038

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	78 CARTER RD, WORCESTER, MA 01609-1038
Document Number	57646-44
Book / Page	057646 / 000044
Instrument Date	Aug 23, 2017
Transaction Type	Mortgage
Record Updated	Sep 19, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	57646-44
Date	Aug 28, 2017
Book Page	057646/000044
Instrument	94019

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 27, 2032

Tax Assessment & Valuation

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	Assessed Market Value
2025	$15,432.00 (+21.88%)	$1,170,000 (+32.5%) Land $126,700 Building $1,043,300	$1,560,185 (+48.88%)
2024			$1,047,945
2023	$12,662.00	$883,000 Land $111,100 Building $771,900

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 178 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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