86 Water St, Worcester, MA 01604 Property Records

Worcester County and Worcester City property record for 86 Water St, Worcester, MA 01604

Property Summary

Property Type	Restaurant
Details	7,248 sqft · built 1925
Lot Size	0.199 acres (8,680 sqft)
Owner	Company Name on Record
Last Sale	$200,000 (Jun 2001)
Tax Bill	$23,600 (2025)
Deeds & Mortgages	Aug 2021 Refinance Aug 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`4-021-04+05`

Property Details

APN / Parcel Number

Primary APN	`4-021-04+05`
Alternative APN	`WORC M:04 B:021 L:04+05`

Interior

Stories	1 Story
Building Area	7,248 sqft Total Area
Gross Area	7,769 sqft
Basement Area	4,080 sqft
Unfinished Basement	4,080 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	8,680 sqft (0.199 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	4-021-04+05
Street Address	86 WATER ST
City	WORCESTER
State	MA
Zip	01604-5031
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Local Zoning Code	BG-3
Legal Block	21
Legal Lot Number	4+05
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	1
Census Block	1016
Census Tract	732500

Owner

Source: Worcester County and Worcester City records, as of July 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	86 WATER ST, WORCESTER, MA 01604-5031
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance WEBSTER FIRST FEDERAL CREDIT UNION
Aug 2, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance WEBSTER FIRST FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 19, 2001 · Amount on Record
Deed Sale	Jun 19, 2001 · Amount on Record
Deed Book / Page	24249 / 85
Last Transfer Date	Jul 30, 2021
Transfer Doc	065752-156
Record Updated	Sep 20, 2026

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Aug 2, 2021
Property Address	86 WATER ST, WORCESTER, MA 01604-5031
Document Number	65752-153
Book / Page	65752 / 153
Instrument Date	Jul 30, 2021
Instrument	108110
Transaction Type	Transfer
Record Updated	Aug 20, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 WATER ST, WORCESTER, MA 01604-5031

Mortgage

Document Number	65752-156
Date	Aug 2, 2021
Book Page	65752/156
Instrument	108111

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Aug 2, 2021
Property Address	86 WATER ST, WORCESTER, MA 01604-5031
Document Number	065752-153
Book / Page	65752 / 153
Instrument Date	Jul 30, 2021
Instrument	108110
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 WATER ST, WORCESTER, MA 01604-5031

Mortgage

Document Number	0000108111
Date	Aug 2, 2021
Instrument	108111

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
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
2025	$23,600.00 (+27.46%)	$824,900 (+39.27%) Land $166,200 Building $658,700
2023	$18,515.00	$592,300 Land $144,600 Building $447,700

Assessed value is set for property tax purposes and is not a market price estimate.

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
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	22 (1984–2016)
Claims Outside the SFHA	1 of 22
Most Recent Claim	Oct 2016 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Oct 2005 · 4 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

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 128 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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