Worcester County and Lunenburg Town property record for 78 Pratt St, Lunenburg, MA 01462
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,471 sqft · built 2011 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $249,000 (Jan 2018) |
| Tax Bill | $5,838 (2026) |
| Deeds & Mortgages | Jan 2021 Refinance Jan 2024 Refinance + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1620970008300000 |
| Primary APN | 1620970008300000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,471 sqft Living Area |
| Gross Area | 2,636 sqft |
| 1st Floor Area | 972 sqft |
| Basement Area | 832 sqft |
| Unfinished Basement | 832 sqft |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,246 sqft (0.35 acres) |
| Garage Type | Attached |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1620970008300000 |
|---|---|
| Street Address | 78 PRATT ST |
| City | LUNENBURG |
| State | MA |
| Zip | 01462-1915 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Block | 83 |
| Jurisdiction | LUNENBURG MA |
| Township / Civil Division | LUNENBURG |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 712101 |
Source: Worcester County and Lunenburg 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 78 PRATT ST, LUNENBURG, MA 01462-1915 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jan 11, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ROSS MORTGAGE COMPANY INC |
| Jan 9, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance FIDELITY COOPERATIVE BANK |
| Aug 10, 2021 | Deed of Trust, Mortgage · Line of Credit FIDELITY COOPERATIVE BANK |
| Oct 21, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance FIDELITY COOPERATIVE BANK |
| Aug 10, 2021 | Deed of Trust, Mortgage · Line of Credit FIDELITY COOPERATIVE BANK |
| Jun 8, 2020 | Deed of Trust, Mortgage · Conventional with PMI ROSS MTG CO INC |
| Jan 26, 2018 | Quit Claim Deed, Transfer ROSS MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 26, 2018 · Amount on Record |
| Deed Sale | Jan 26, 2018 · Amount on Record |
| Prior Sale | Aug 23, 2012 · Amount on Record |
| Deed Book / Page | 9009 / 69 |
| Transfer Doc | 0009009-69 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUNENBURG MA |
| Property Address | 78 PRATT ST, LUNENBURG, MA 01462-1915 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 009846-122 |
|---|---|
| Date | Jan 11, 2021 |
| Book Page | 9846/122 |
| Instrument | 202100000577 |
| Name | ROSS MORTGAGE COMPANY INC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUNENBURG MA |
| Property Address | 78 PRATT ST, LUNENBURG, MA 01462-1915 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 010697-188 |
|---|---|
| Date | Jan 9, 2024 |
| Book Page | 10697/188 |
| Instrument | 202400000323 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUNENBURG MA |
| Property Address | 78 PRATT ST, LUNENBURG, MA 01462-1915 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 010067-242 |
|---|---|
| Date | Aug 10, 2021 |
| Book Page | 10067/242 |
| Instrument | 17526 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 1, 2041 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUNENBURG MA |
| Property Address | 78 PRATT ST, LUNENBURG, MA 01462-1915 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 010864-205 |
|---|---|
| Date | Oct 21, 2024 |
| Book Page | 10864/205 |
| Instrument | 14297 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUNENBURG MA |
| Property Address | 78 PRATT ST, LUNENBURG, MA 01462-1915 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2021 |
| Name | Verified Name |
|---|
| Document Number | 10067-242 |
|---|---|
| Date | Aug 10, 2021 |
| Book Page | 10067/242 |
| Instrument | 17526 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 1, 2041 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUNENBURG MA |
| Property Address | 78 PRATT ST, LUNENBURG, MA 01462-1915 |
| Document Number | 9637-273 |
| Instrument Date | Jun 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 78 PRATT ST LUNENBURG MA 014621915, LUNENBURG, MA 01462-1915 |
| Document Number | 9637-273 |
|---|---|
| Date | Jun 12, 2020 |
| Book Page | 009637/000273 |
| Instrument | 9265 |
| Name | ROSS MTG CO INC |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 11, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LUNENBURG MA |
| Recording Date | Jan 26, 2018 |
| Property Address | 78 PRATT ST, LUNENBURG, MA 01462-1915 |
| Document Number | 9009-69 |
| Book / Page | 9009 / 69 |
| Instrument | 1522 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $39.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 78 PRATT ST, LUNENBURG, MA 01462-1915 |
| Document Number | 90090072 |
|---|---|
| Date | Jan 26, 2018 |
| Instrument | 09009/0072 |
| Name | ROSS MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 26, 2048 |
Source: Worcester County and Lunenburg Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Lunenburg Town |
| Unified School District | Lunenburg School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,838.00 (+3.05%) | $405,700 (+2.84%) Land $119,100 Building $286,600 | $455,531 (+3.39%) |
| 2025 | $5,665.00 (+4.79%) | $394,500 (+2.9%) Land $116,700 Building $277,800 | $440,610 (+1.91%) |
| 2024 | $5,406.00 (+0.5%) | $383,400 (+4.21%) Land $110,100 Building $273,300 | $432,345 |
| 2023 | $5,379.00 | $367,900 Land $100,000 Building $267,900 |
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 · 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 | 5 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 90% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | LUNENBURG WATER DISTRICT serves 7,219 people · EPA ID MA2162000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2026 |
| Lead | 2 ppb (2022–2024) 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 137 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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