89 Breakneck Rd, Sturbridge, MA 01566 Property Records

Worcester County and Sturbridge Town property record for 89 Breakneck Rd, Sturbridge, MA 01566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,755 sqft · built 2003
Lot Size	1.25 acres (54,450 sqft)
Owner	2 Individual Names on Record
Last Sale	$44,000 (Apr 2002)
Tax Bill	$10,714 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Nov 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`170-04812-089`

Property Details

APN / Parcel Number

Primary APN	`170-04812-089`
Alternative APNs	`STUR M:170 B:000 L:4812-089` `M:170 B:000 L:4812=089`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,755 sqft Living Area
Gross Area	5,636 sqft
Basement Area	1,344 sqft
Unfinished Basement	1,344 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	54,450 sqft (1.25 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	170-04812-089
Street Address	89 BREAKNECK RD
City	STURBRIDGE
State	MA
Zip	01566-1131
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Lot Number	4812-89
Jurisdiction	STURBRIDGE MA
Township / Civil Division	STURBRIDGE
Census Block Group	1
Census Block	1062
Census Tract	758101

Owner

Source: Worcester County and Sturbridge Town 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	89 BREAKNECK RD, STURBRIDGE, MA 01566-1131
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Deed of Trust, Mortgage · Second Mortgage (Down Payment) ROCKET MORTGAGE LLC
Nov 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance RESIDENTIAL MORTGAGE SERVICES
Oct 10, 2019	Deed of Trust, Mortgage · Line of Credit LEOMINSTER CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2002 · Amount on Record
Deed Sale	Apr 22, 2002 · Amount on Record
Deed Book / Page	26414 / 91
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STURBRIDGE MA
Recording Date	Aug 12, 2026
Property Address	89 BREAKNECK RD, STURBRIDGE, MA 01566-1131
Document Number	0000069453
Book / Page	74018 / 28
Instrument Date	Aug 7, 2026
Instrument	202669453
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 BREAKNECK RD, STURBRIDGE, MA 01566-1131

Mortgage

Document Number	0000069453,
Date	Aug 12, 2026
Book Page	74018/28
Instrument	202669453

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STURBRIDGE MA
Property Address	89 BREAKNECK RD, STURBRIDGE, MA 01566-1131
Transaction Type	Mortgage
Record Updated	Dec 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66535-1
Date	Nov 16, 2021
Book Page	66535/1
Instrument	160276

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STURBRIDGE MA
Property Address	89 BREAKNECK RD, STURBRIDGE, MA 01566-1131
Document Number	61237-312
Instrument Date	Oct 10, 2019
Transaction Type	Mortgage
Record Updated	Nov 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 BREAKNECK RD STURBRIDGE MA 015661131, STURBRIDGE, MA 01566-1131

Mortgage

Document Number	61237-312
Date	Oct 16, 2019
Book Page	061237/000312
Instrument	108759

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 15, 2039

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$10,714.00 (+3.04%)	$686,800 (+5.22%) Land $88,900 Building $597,900	$644,250 (+19.52%)
2025	$10,398.00 (+4.72%)	$652,700 (+8.4%) Land $85,400 Building $567,300	$539,030 (+6.69%)
2024	$9,929.00 (+3%)	$602,100 (+12.86%) Land $83,700 Building $518,400	$505,210
2023	$9,640.00	$533,500 Land $72,800 Building $460,700

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 · 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

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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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