86 Breakneck Rd, Sturbridge, MA 01566 Property Records

Worcester County and Sturbridge Town property record for 86 Breakneck Rd, Sturbridge, MA 01566

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,260 sqft · built 1985
Lot Size	5.38 acres (234,353 sqft)
Owner	Individual Name on File
Last Sale	$485,000 (Aug 2024)
Tax Bill	$6,872 (2026)
Deeds & Mortgages	Sep 2025 Mortgage May 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`170-04551-086`

Property Details

APN / Parcel Number

Primary APN	`170-04551-086`
Alternative APNs	`STUR M:170 B:000 L:4551-086` `M:170 B:000 L:4551=086`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,260 sqft Living Area
Gross Area	2,784 sqft
Basement Area	1,260 sqft
Unfinished Basement	1,260 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	234,353 sqft (5.38 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	170-04551-086
Street Address	86 BREAKNECK RD
City	STURBRIDGE
State	MA
Zip	01566-1130
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Subdivision	LAND STURBRIDGE
Legal Lot Number	4551-86
Jurisdiction	STURBRIDGE MA
Township / Civil Division	STURBRIDGE
Census Block Group	1
Census Block	1056
Census Tract	758101

Owner

86 Breakneck Rd is owned and occupied by an individual who bought it in August 2024.

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

Owner of Record	Individual Name on File
Mailing Address	86 BREAKNECK RD, STURBRIDGE, MA 01566-1130
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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 16, 2025	Deed of Trust, Mortgage WEBSTER FIRST FCU
May 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ENVOY MORTGAGE LTD
Aug 30, 2024	Quit Claim Deed, Transfer · Stand-Alone Refinance SOUTHBRIDGE CU
Jan 19, 2017	Deed of Trust, Mortgage · Closed-End Mortgage SANTANDER BK NA
Nov 10, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2024 · Amount on File
Deed Sale	Aug 30, 2024 · Amount on File
Prior Sale	Sep 29, 2003 · Amount on File
Deed Book / Page	70969 / 296
Prior Transfer Date	May 3, 2024
Prior Transfer Doc	070969-296
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STURBRIDGE MA
Property Address	86 BREAKNECK RD, STURBRIDGE, MA 01566-1130
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072537-303
Date	Sep 16, 2025
Book Page	72537/303
Instrument	78961

Lender

Name	WEBSTER FIRST FCU

Agreement

Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2045

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STURBRIDGE MA
Property Address	86 BREAKNECK RD, STURBRIDGE, MA 01566-1130
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065239-327
Date	May 25, 2021
Book Page	65239/327
Instrument	72059

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

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

August 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STURBRIDGE MA
Recording Date	Aug 30, 2024
Property Address	86 BREAKNECK RD, STURBRIDGE, MA 01566-1130
Document Number	070969-296
Book / Page	70969 / 296
Instrument Date	May 3, 2024
Instrument	70794
Transaction Type	Transfer
Record Updated	Nov 11, 2025

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	86 BREAKNECK RD, STURBRIDGE, MA 01566-1130

Mortgage

Document Number	0000071365
Date	Aug 30, 2024
Instrument	71365

Lender

Name	SOUTHBRIDGE CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	362 Months
Due	Oct 1, 2054

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STURBRIDGE MA
Property Address	86 BREAKNECK RD, STURBRIDGE, MA 01566-1130
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	56627-202
Date	Jan 19, 2017
Book Page	56627/202
Instrument	6312

Lender

Name	SANTANDER BK NA

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2047

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STURBRIDGE MA
Property Address	86 BREAKNECK RD, STURBRIDGE, MA 01566-1130
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63714-313
Date	Nov 10, 2020
Book Page	63714/313
Instrument	136923

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 86 Breakneck Rd was $6,872, up 2.5% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Sturbridge Town
Elementary School District	Sturbridge School District (PK - 06)
Secondary School District	Tantasqua School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,872.00 (+2.52%)	$440,500 (+4.68%) Land $99,800 Building $340,700	$477,026 (-1.72%)
2025	$6,703.00 (+8.96%)	$420,800 (+12.78%) Land $96,300 Building $324,500	$485,355 (+7.76%)
2024	$6,152.00 (+3.71%)	$373,100 (+13.65%) Land $94,300 Building $278,800	$450,395
2023	$5,932.00	$328,300 Land $83,400 Building $244,900

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

Flood

FEMA maps place 86 Breakneck 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	2 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 86 Breakneck Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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