78 North St, Upton, MA 01568 Property Records

Worcester County and Upton Town property record for 78 North St, Upton, MA 01568

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,450 sqft · built 1995
Lot Size	2.3 acres (100,188 sqft)
Owner	2 Individual Names on File
Last Sale	$60,000 (Aug 1995)
Tax Bill	$11,210 (2026)
Deeds & Mortgages	Jun 2025 Line of Credit Aug 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`UPTO M:008 L:012`

Property Details

APN / Parcel Number

Primary APN	`UPTO M:008 L:012`
Alternative APNs	`M:008 B:L:012` `287`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,450 sqft Living Area
Gross Area	8,298 sqft
1st Floor Area	2,005 sqft
Attic	Attic
Attic Area	156 sqft
Basement Area	1,963 sqft
Unfinished Basement	1,563 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	100,188 sqft (2.3 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	78 NORTH ST
City	UPTON
State	MA
Zip	01568-1506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	5
Legal Lot Number	12
Jurisdiction	UPTON MA
Township / Civil Division	UPTON
Census Block Group	1
Census Block	1008
Census Tract	743100

Owner

78 North St is owned and occupied by two individuals who bought it in August 1995.

Source: Worcester County and Upton Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	78 NORTH ST, UPTON, MA 01568-1506
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2025	Deed of Trust, Mortgage · Line of Credit FIDELITY COOPERATIVE BANK
Aug 6, 2025	Deed of Trust, Mortgage · Line of Credit FIDELITY COOPERATIVE BANK
Apr 4, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Apr 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 1995 · Amount on File
Deed Sale	Aug 4, 1995 · Amount on File
Deed Book / Page	17222 / 312
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UPTON MA
Property Address	78 NORTH ST, UPTON, MA 01568-1506
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00072061-1
Date	Jun 2, 2025
Book Page	72061/1
Instrument	43691

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2045

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UPTON MA
Property Address	78 NORTH ST, UPTON, MA 01568-1506
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072365-297
Date	Aug 6, 2025
Book Page	72365/297
Instrument	65951

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2045

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UPTON MA
Property Address	78 NORTH ST, UPTON, MA 01568-1506
Transaction Type	Mortgage
Record Updated	Apr 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067377-379
Date	Apr 4, 2022
Book Page	67377/379
Instrument	37020

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UPTON MA
Property Address	78 NORTH ST, UPTON, MA 01568-1506
Document Number	56976-371
Book / Page	056976 / 000371
Instrument Date	Apr 10, 2017
Transaction Type	Mortgage
Record Updated	May 2, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	56976-371
Date	Apr 14, 2017
Book Page	056976/000371
Instrument	37318

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 13, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%

Tax Assessment & Valuation

The 2026 property tax bill for 78 North St was $11,210, up 1.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,210.00 (+1.48%)	$857,000 (+2.01%) Land $301,600 Building $555,400	$799,609 (+8.21%)
2025	$11,047.00 (-0.87%)	$840,100 (+3.13%) Land $301,600 Building $538,500	$738,910 (+0.41%)
2024	$11,144.00 (+39.88%)	$814,600 (+41.82%) Land $293,600 Building $521,000	$735,870
2023	$7,967.00	$574,400 Land $245,600 Building $328,800

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

Flood

FEMA maps place 78 North St in Zone X, an area of minimal flood risk.

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
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 78 North St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 98.9% of Massachusetts
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	UPTON DPW WATER/WASTEWATER DIVISION serves 4,420 people · EPA ID MA2303000
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	11 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on North St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures