84 Ruggles St, Westborough, MA 01581 Property Records

Worcester County and Westborough Town property record for 84 Ruggles St, Westborough, MA 01581

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,754 sqft · built 1995
Lot Size	1.88 acres (82,154 sqft)
Owner	2 Individual Names on File
Last Sale	$880,000 (Jun 2019)
Tax Bill	$20,273 (2026)
Deeds & Mortgages	Nov 2020 Refinance Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WBOR M:0015 B:000278 L:0`

Property Details

APN / Parcel Number

Primary APN	`WBOR M:0015 B:000278 L:0`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,754 sqft Living Area
Gross Area	8,907 sqft
Basement Area	2,232 sqft
Unfinished Basement	2,232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	82,154 sqft (1.88 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	84 RUGGLES ST
City	WESTBOROUGH
State	MA
Zip	01581-2121
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Block	278
Jurisdiction	WESTBOROUGH MA
Township / Civil Division	WESTBOROUGH
Census Block Group	1
Census Block	1003
Census Tract	742401

Owner

84 Ruggles St is owned and occupied by two individuals who bought it in June 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	84 RUGGLES ST, WESTBOROUGH, MA 01581-2121
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Nov 10, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP.
Jun 19, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2019 · Amount on File
Deed Sale	Jun 19, 2019 · Amount on File
Prior Sale	Mar 14, 2001 · Amount on File
Deed Document Number	201956864
Prior Transfer Date	Jun 7, 2019
Prior Transfer Doc	60572-146
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTBOROUGH MA
Property Address	84 RUGGLES ST, WESTBOROUGH, MA 01581-2121
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63715-94
Date	Nov 10, 2020
Book Page	63715/94
Instrument	136953

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTBOROUGH MA
Recording Date	Jun 19, 2019
Property Address	84 RUGGLES ST, WESTBOROUGH, MA 01581-2121
Document Number	60572-146
Book / Page	60572 / 146
Instrument Date	Jun 7, 2019
Instrument	56864
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
Address	84 RUGGLES ST, WESTBOROUGH, MA 01581-2121

Mortgage

Document Number	56865
Date	Jun 19, 2019
Instrument	56865

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 84 Ruggles St was $20,273, up 6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$20,273.00 (+6.02%)	$1,272,600 (+8.42%) Land $400,100 Building $872,500	$1,302,591
2025	$19,121.00 (+4.77%)	$1,173,800 (+5.54%) Land $374,800 Building $799,000
2024	$18,251.00 (+2.8%)	$1,112,200 (+5.49%) Land $357,400 Building $754,800	$1,244,310
2023	$17,754.00	$1,054,300 Land $337,800 Building $716,500

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

Flood

FEMA maps place 84 Ruggles St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2023 · 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

Wildfire risk around 84 Ruggles St is low, with a 0.01% 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	0.01% 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	WESTBOROUGH WATER DEPARTMENT serves 21,567 people · EPA ID MA2328000
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Nov 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 131 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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