81 Osgood Rd, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 81 Osgood Rd, Sterling, MA 01564

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,168 sqft · built 1995
Lot Size	1.13 acres (49,223 sqft)
Owner	2 Individual Names on File
Last Sale	$519,900 (Jan 2021)
Tax Bill	$7,991 (2026)
Deeds & Mortgages	Sep 2025 Mortgage Mar 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`STER M:00063 L:00026`

Property Details

APN / Parcel Number

Primary APN	`STER M:00063 L:00026`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,168 sqft Living Area
Gross Area	4,538 sqft
Basement Area	1,268 sqft
Unfinished Basement	1,268 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	49,223 sqft (1.13 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	81 OSGOOD RD
City	STERLING
State	MA
Zip	01564-2002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RRF
Legal Lot Number	26
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	3
Census Block	3006
Census Tract	719100

Owner

81 Osgood Rd is owned and occupied by two individuals who acquired it in March 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	81 OSGOOD RD, STERLING, MA 01564-2002
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
Sep 29, 2025	Deed of Trust, Mortgage I-C FCU
Mar 31, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Jan 8, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage VILLAGE BANK
Apr 14, 2017	Quit Claim Deed, Transfer MERRIMACK MTG CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2021 · Amount on File
Deed Sale	Jan 8, 2021 · Amount on File
Prior Sale	Apr 14, 2017 · Amount on File
Deed Book / Page	64186 / 379
Last Transfer Date	Mar 17, 2021
Transfer Doc	064815-133
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	81 OSGOOD RD, STERLING, MA 01564-2002
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00072598-7
Date	Sep 29, 2025
Book Page	72598/7
Instrument	83259

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2050

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	Mar 31, 2021
Property Address	81 OSGOOD RD, STERLING, MA 01564-2002
Document Number	064815-133
Book / Page	64815 / 133
Instrument Date	Mar 17, 2021
Instrument	43865
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	81 OSGOOD RD, STERLING, MA 01564-2002

Mortgage

Document Number	064815-137
Date	Mar 31, 2021
Book Page	64815/137
Instrument	43866

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLTON MA
Recording Date	Jan 8, 2021
Property Address	81 OSGOOD RD, STERLING, MA 01564-2002
Document Number	64186-379
Book / Page	64186 / 379
Instrument Date	Jan 5, 2021
Instrument	3452
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
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	81 OSGOOD RD, CHARLTON, MA 01507-5347

Mortgage

Document Number	3453
Date	Jan 8, 2021
Instrument	3453

Lender

Name	VILLAGE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	Apr 14, 2017
Property Address	81 OSGOOD RD, STERLING, MA 01564-2002
Document Number	56982-176
Book / Page	56982 / 176
Instrument	37783
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$61.84
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	569820178
Date	Apr 14, 2017
Instrument	56982/0178

Lender

Name	MERRIMACK MTG CO

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 14, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 81 Osgood Rd was $7,991, up 1.9% from the year before.

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	$7,991.00 (+1.89%)	$636,700 (+4.57%) Land $182,000 Building $454,700	$647,330 (-)
2025	$7,843.00 (+2.62%)	$608,900 (+6.04%) Land $157,500 Building $451,400	$647,330 (+28.2%)
2024	$7,643.00 (+6.3%)	$574,200 (+14.2%) Land $152,200 Building $422,000	$504,925
2023	$7,190.00	$502,800 Land $144,400 Building $358,400

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

Flood

FEMA maps place 81 Osgood Rd 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	1 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 81 Osgood Rd 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 80% of the US · above 57% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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