86 Narrows Rd, Westminster, MA 01473 Property Records

Worcester County and Westminster Town property record for 86 Narrows Rd, Westminster, MA 01473

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,788 sqft · built 1995
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on File
Last Sale	$118,000 (Aug 1995)
Tax Bill	$5,926 (2026)
Deeds & Mortgages	Jun 2023 Refinance Aug 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:7 B:L:19A`

Property Details

APN / Parcel Number

Primary APN	`M:7 B:L:19A`
Alternative APNs	`WMIN M:121 B:L:41` `937`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,788 sqft Living Area
Gross Area	3,930 sqft
Basement Area	1,100 sqft
Unfinished Basement	1,100 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,553 sqft (0.38 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	937
Street Address	86 NARROWS RD
City	WESTMINSTER
State	MA
Zip	01473-1618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Lot Number	41
Jurisdiction	WESTMINSTER MA
Township / Civil Division	WESTMINSTER
Census Block Group	5
Census Block	5018
Census Tract	708100

Owner

86 Narrows Rd is owned and occupied by two individuals who bought it in August 1995.

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

Owner of Record	2 Individual Names on File
Mailing Address	86 NARROWS RD, WESTMINSTER, MA 01473-1618
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
Jun 27, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance I-C FCU
Aug 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance I-C FCU
Aug 11, 2017	Deed of Trust, Mortgage · Line of Credit IC FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 1995 · Amount on File
Deed Sale	Aug 24, 1995 · Amount on File
Prior Sale	Mar 16, 1995 · Amount on File
Deed Book / Page	2746 / 144
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMINSTER MA
Property Address	86 NARROWS RD, WESTMINSTER, MA 01473-1618
Transaction Type	Mortgage
Record Updated	Jul 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010587-222
Date	Jun 27, 2023
Book Page	10587/222
Instrument	8429

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2048

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMINSTER MA
Property Address	86 NARROWS RD, WESTMINSTER, MA 01473-1618
Transaction Type	Mortgage
Record Updated	Sep 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10072-308
Date	Aug 16, 2021
Book Page	10072/308
Instrument	17907

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMINSTER MA
Property Address	86 NARROWS RD, WESTMINSTER, MA 01473-1618
Document Number	8887-166
Instrument Date	Aug 11, 2017
Transaction Type	Mortgage
Record Updated	Aug 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8887-166
Date	Aug 16, 2017
Book Page	008887/000166
Instrument	14409

Lender

Name	IC FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 15, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 86 Narrows Rd was $5,926, up 2.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,926.00 (+2.67%)	$505,200 (+7.65%) Land $114,400 Building $390,800	$539,980 (+28.16%)
2025	$5,772.00 (+4.93%)	$469,300 (+4.59%) Land $114,400 Building $354,900	$421,325
2024	$5,501.00 (-1.43%)	$448,700 (+5.01%) Land $114,400 Building $334,300
2023	$5,581.00	$427,300 Land $106,900 Building $320,400

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

Flood

FEMA maps place 86 Narrows Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1987.

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	4 in force
Nearby Flood Claims	6 (1987–2011)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Mar 2011 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims Severe Storms & Flooding, Apr 1987 · 2 claims

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 Narrows 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	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	WESTMINSTER DEPARTMENT OF PUBLIC WORKS serves 3,889 people · EPA ID MA2332000
Water Source	Purchased surface water from FITCHBURG DPW DIVISION OF WATER SUPPLY
Last State Inspection	Apr 2025
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2025
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 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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