8 N Row Rd, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 8 N Row Rd, Sterling, MA 01564

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,473 sqft · built 1985
Lot Size	1.28 acres (55,757 sqft)
Owner	2 Individual Names on Record
Last Sale	$605,000 (May 2021)
Tax Bill	$7,771 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`STER M:00030 L:00001`

Property Details

APN / Parcel Number

Primary APN	`STER M:00030 L:00001`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,473 sqft Living Area
Gross Area	4,106 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	55,757 sqft (1.28 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	8 N ROW RD
City	STERLING
State	MA
Zip	01564-2240
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RRF
Legal Lot Number	1
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	2
Census Block	2027
Census Tract	719100

Owner

Source: Worcester County and Sterling 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	8 N ROW RD, STERLING, MA 01564-2240
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2026	Deed of Trust, Mortgage · Line of Credit CLINTON SAVINGS BANK
May 14, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA
Jun 23, 2020	Deed of Trust, Mortgage · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2021 · Amount on Record
Deed Sale	May 14, 2021 · Amount on Record
Prior Sale	Jul 16, 2015 · Amount on Record
Deed Document Number	202167060
Deed Book / Page	65169 / 262
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Recording Date	Sep 11, 2026
Property Address	8 N ROW RD, STERLING, MA 01564-2240
Document Number	0000079671
Book / Page	74156 / 126
Instrument Date	Sep 4, 2026
Instrument	202679671
Transaction Type	Mortgage
Record Updated	Sep 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 N ROW RD, STERLING, MA 01564-2240

Mortgage

Document Number	0000079671,
Date	Sep 11, 2026
Book Page	74156/126
Instrument	202679671

Lender

Name	CLINTON SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2046

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	May 14, 2021
Property Address	8 N ROW RD, STERLING, MA 01564-2240
Document Number	65169-262
Book / Page	65169 / 262
Instrument Date	May 14, 2021
Instrument	67060
Transaction Type	Transfer
Record Updated	May 28, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	8 N ROW RD, STERLING, MA 01564-2240

Mortgage

Document Number	67061
Date	May 14, 2021
Instrument	67061

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	8 N ROW RD, STERLING, MA 01564-2240
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62645-141
Date	Jun 23, 2020
Book Page	62645/141
Instrument	65822

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,771.00 (+2.26%)	$619,200 (+4.95%) Land $154,200 Building $465,000	$579,120 (-)
2025	$7,599.00 (+1.89%)	$590,000 (+5.3%) Land $133,400 Building $456,600	$579,120 (-4.84%)
2024	$7,458.00 (+5.09%)	$560,300 (+12.9%) Land $133,400 Building $426,900	$608,570
2023	$7,097.00	$496,300 Land $133,300 Building $363,000

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	STERLING WATER DEPARTMENT serves 6,814 people · EPA ID MA2282000
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	9 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Feb 2024
Monitoring and Reporting	1 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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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