82 Vincent Cir, Worcester, MA 01604 Property Records

Worcester County and Worcester City property record for 82 Vincent Cir, Worcester, MA 01604

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,056 sqft · built 1998
Lot Size	0.297 acres (12,920 sqft)
Owner	Individual Name on Record
Last Sale	$502,000 (Sep 2026)
Tax Bill	$5,879 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Apr 2022 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`44-15A-00023`

Property Details

APN / Parcel Number

Primary APN	`44-15A-00023`
Alternative APN	`WORC M:44 B:15A L:00023`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
Gross Area	2,490 sqft
1st Floor Area	1,056 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,920 sqft (0.297 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	44-15A-00023
Street Address	82 VINCENT CIR
City	WORCESTER
State	MA
Zip	01604-3462
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Subdivision	MAURO VALENTE
Legal Block	15A
Legal Lot Number	23
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	1
Census Block	1009
Census Tract	732802

Owner

Source: Worcester County and Worcester City 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	82 VINCENT CIR, WORCESTER, MA 01604-3462
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2026	Quit Claim Deed, Transfer · Conventional Mortgage DIGITAL FEDERAL CREDIT UNION
Apr 12, 2022	Deed of Trust, Mortgage · Line of Credit CENTRAL ONE FEDERAL CREDIT UNION
Jan 5, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Oct 21, 2020	Deed of Trust, Mortgage · Line of Credit CENTRAL ONE FEDERAL CREDIT UNION
Dec 9, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance DREW MORTGAGE ASSOCIATES INC
Jan 28, 2020	Deed of Trust, Mortgage · Balloon Mortgage CENTRAL ONE FEDERAL CREDIT UNION
Sep 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance DREW MORTGAGE ASSOCIATES INC
Jul 30, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2026 · Amount on Record
Deed Sale	Sep 10, 2026 · Amount on Record
Prior Sale	Jul 27, 1998 · Amount on Record
Deed Document Number	202679337
Deed Book / Page	74151 / 351
Prior Transfer Date	Sep 8, 2026
Prior Transfer Doc	0000079337
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Sep 10, 2026
Property Address	82 VINCENT CIR, WORCESTER, MA 01604-3462
Document Number	0000079337
Book / Page	74151 / 351
Instrument Date	Sep 8, 2026
Instrument	202679337
Transaction Type	Transfer
Record Updated	Sep 30, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	82 VINCENT CIR, WORCESTER, MA 01604-3462

Mortgage

Date	Sep 10, 2026

Lender

Name	DIGITAL FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.63%
Initial Type	Adjustable Rate
Type Change Date	Oct 1, 2036
Margin	3
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	82 VINCENT CIR, WORCESTER, MA 01604-3462
Transaction Type	Mortgage
Record Updated	Apr 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067419-202
Date	Apr 12, 2022
Book Page	67419/202
Instrument	40074

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	82 VINCENT CIR, WORCESTER, MA 01604-3462
Transaction Type	Mortgage
Record Updated	Jan 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066891-284
Date	Jan 5, 2022
Book Page	66891/284
Instrument	1382

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	82 VINCENT CIR, WORCESTER, MA 01604-3462
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63547-355
Date	Oct 21, 2020
Book Page	63547/355
Instrument	125549

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	82 VINCENT CIR, WORCESTER, MA 01604-3462
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	METROPOLITAN TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61549-132
Date	Dec 9, 2019
Book Page	61549/132
Instrument	132468

Lender

Name	DREW MORTGAGE ASSOCIATES INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	82 VINCENT CIR, WORCESTER, MA 01604-3462
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61804-20
Date	Jan 28, 2020
Book Page	61804/20
Instrument	8842

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	82 VINCENT CIR, WORCESTER, MA 01604-3462
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	METROPOLITAN TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63352-40
Date	Sep 28, 2020
Book Page	63352/40
Instrument	112645

Lender

Name	DREW MORTGAGE ASSOCIATES INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Jul 30, 2019
Property Address	82 VINCENT CIR, WORCESTER, MA 01604-3462
Document Number	60790-309
Book / Page	060790 / 000309
Instrument Date	Jul 30, 2019
Instrument	74354
Transaction Type	Transfer
Record Updated	Aug 13, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	82 VINCENT CIR WORCESTER MA 016043462, WORCESTER, MA 01604-3462

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Worcester City
Unified School District	Worcester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,879.00 (+2.05%)	$442,700 (+1.35%) Land $124,800 Building $317,900	$470,743 (+16.16%)
2025	$5,761.00 (+3.48%)	$436,800 (+12.52%) Land $118,900 Building $317,900	$405,270 (+4.97%)
2024			$386,080
2023	$5,567.00	$388,200 Land $103,400 Building $284,800

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 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1978–2000)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Oct 2000 · rainfall accumulation

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	WORCESTER DPWP, WATER SUPPLY DIVISION serves 206,518 people · EPA ID MA2348000
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 240 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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