86 Chatham St, Worcester, MA 01609 Property Records

Worcester County and Worcester City property record for 86 Chatham St, Worcester, MA 01609

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,080 sqft · built 1982
Lot Size	0.086 acres (3,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Dec 2020)
Tax Bill	$4,048 (2026)
Deeds & Mortgages	Jul 2019 Refinance Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-026-00046`

Property Details

APN / Parcel Number

Primary APN	`3-026-00046`
Alternative APN	`WORC M:03 B:026 L:00046`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,080 sqft Living Area
Gross Area	2,214 sqft
1st Floor Area	540 sqft
Basement Area	540 sqft
Unfinished Basement	540 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,750 sqft (0.086 acres)
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	3-026-00046
Street Address	86 CHATHAM ST
City	WORCESTER
State	MA
Zip	01609-2029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG-5
Legal Block	26
Legal Lot Number	46
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3009
Census Tract	731500

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	2 Individual Names on Record
Mailing Address	86 CHATHAM ST, WORCESTER, MA 01609-2029
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance SANTANDER BANK NA
Aug 6, 2020	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE INC
Dec 8, 2020	Quit Claim Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2020 · Amount on Record
Deed Sale	Dec 8, 2020 · Amount on Record
Prior Sale	Oct 16, 2007 · Amount on Record
Deed Document Number	2020151239
Deed Book / Page	63921 / 389
Prior Transfer Date	Dec 7, 2020
Prior Transfer Doc	63921-389
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	86 CHATHAM ST, WORCESTER, MA 01609-2029
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60716-3
Date	Jul 17, 2019
Book Page	60716/3
Instrument	68527

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	86 CHATHAM ST, WORCESTER, MA 01609-2029
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62967-366
Date	Aug 6, 2020
Book Page	62967/366
Instrument	87125

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Dec 8, 2020
Property Address	86 CHATHAM ST, WORCESTER, MA 01609-2029
Document Number	63921-389
Book / Page	63921 / 389
Instrument Date	Dec 7, 2020
Instrument	151239
Transaction Type	Transfer
Record Updated	May 12, 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	Joint Tenants
Address	86 CHATHAM ST, WORCESTER, MA 01609-2029

Mortgage

Document Number	151240
Date	Dec 8, 2020
Instrument	151240

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

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	$4,048.00 (+4.17%)	$304,800 (+3.46%) Land $44,700 Building $260,100	$371,491
2025	$3,886.00 (+13.93%)	$294,600 (+23.83%) Land $44,100 Building $250,500
2023	$3,411.00	$237,900 Land $34,900 Building $203,000

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
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	Not rated no burnable land within 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 497 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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