Worcester County and Athol Town property record for 78 Lake St, Athol, MA 01331
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,392 sqft · built 1915 |
| Lot Size | 0.163 acres (7,087 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $178,000 (Aug 2020) |
| Tax Bill | $3,274 (2026) |
| Deeds & Mortgages | Aug 2026 Line of Credit Mar 2023 Line of Credit + 1 more |
| APN | ATHO M:00030 B:00200 L:00000 |
| Primary APN | ATHO M:00030 B:00200 L:00000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,392 sqft Living Area |
| Gross Area | 2,423 sqft |
| Basement Area | 696 sqft |
| Unfinished Basement | 696 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Architectural Style | Colonial |
| Exterior Material | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,087 sqft (0.163 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 2445 |
|---|---|
| Street Address | 78 LAKE ST |
| City | ATHOL |
| State | MA |
| Zip | 01331-1514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Block | 200 |
| Jurisdiction | ATHOL MA |
| Township / Civil Division | ATHOL |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 703200 |
Source: Worcester County and Athol Town records, as of October 20, 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 Record |
|---|---|
| Mailing Address | 78 LAKE ST, ATHOL, MA 01331-1514 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 27, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Mar 9, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND |
| Aug 31, 2020 | Quit Claim Deed, Transfer · FHA Mortgage CITIZENS BANK OF RHODE ISLAND |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 31, 2020 · Amount on Record |
| Deed Sale | Aug 31, 2020 · Amount on Record |
| Prior Sale | May 19, 1987 · Amount on Record |
| Deed Document Number | 202099385 |
| Deed Book / Page | 63155 / 52 |
| Prior Transfer Date | Aug 3, 2020 |
| Prior Transfer Doc | 63155-52 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ATHOL MA |
| Recording Date | Aug 27, 2026 |
| Property Address | 78 LAKE ST, ATHOL, MA 01331-1514 |
| Document Number | 0000074695 |
| Book / Page | 74088 / 47 |
| Instrument Date | Aug 14, 2026 |
| Instrument | 202674695 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 78 LAKE ST, ATHOL, MA 01331-1514 |
| Document Number | 0000074695, |
|---|---|
| Date | Aug 27, 2026 |
| Book Page | 74088/47 |
| Instrument | 202674695 |
| Name | CITIZENS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Sep 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ATHOL MA |
| Property Address | 78 LAKE ST, ATHOL, MA 01331-1514 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2023 |
| Name | Verified Name |
|---|
| Document Number | 068901-364 |
|---|---|
| Date | Mar 9, 2023 |
| Book Page | 68901/364 |
| Instrument | 19105 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Apr 1, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ATHOL MA |
| Recording Date | Aug 31, 2020 |
| Property Address | 78 LAKE ST, ATHOL, MA 01331-1514 |
| Document Number | 63155-52 |
| Book / Page | 63155 / 52 |
| Instrument Date | Aug 3, 2020 |
| Instrument | 99385 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| 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 | 78 LAKE ST, ATHOL, MA 01331-1514 |
| Document Number | 99386 |
|---|---|
| Date | Aug 31, 2020 |
| Instrument | 99386 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Worcester County and Athol Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Athol Town |
| Unified School District | Athol-Royalston School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,274.00 (+1.52%) | $258,400 (+1.85%) Land $49,300 Building $209,100 | $252,225 (-) |
| 2025 | $3,225.00 (+6.16%) | $253,700 (+7.14%) Land $47,400 Building $206,300 | $252,225 (-1.26%) |
| 2024 | $3,038.00 (+3.44%) | $236,800 (+13.19%) Land $47,400 Building $189,400 | $255,455 |
| 2023 | $2,937.00 | $209,200 Land $34,400 Building $174,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025
| FEMA Flood Zone | Not included in the FIRM |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ATHOL DPW WATER DIVISION serves 10,587 people · EPA ID MA1015000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Lead | 4 ppb (2025) 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, 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.
Source: FCC Broadband Data Collection, based on 368 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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