89 River Rd, Sturbridge, MA 01566 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,176 sqft · built 1989
Lot Size	1.37 acres (59,677 sqft)
Owner	Individual Name on File
Last Sale	$474,900 (Dec 2025)
Tax Bill	$6,118 (2026)
Deeds & Mortgages	Sep 2022 Refinance Dec 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`545-03843-089`

Property Details

APN / Parcel Number

Primary APN	`545-03843-089`
Alternative APNs	`STUR M:545 B:000 L:3843-089` `M:545 B:000 L:3843=089`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
Gross Area	2,700 sqft
Basement Area	892 sqft
Unfinished Basement	892 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	59,677 sqft (1.37 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	545-03843-089
Street Address	89 RIVER RD
City	STURBRIDGE
State	MA
Zip	01566-1410
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Lot Number	3843-89
Jurisdiction	STURBRIDGE MA
Township / Civil Division	STURBRIDGE
Census Block Group	1
Census Block	1038
Census Tract	758101

Owner

89 River Rd is owned and occupied by an individual who bought it in December 2025.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	89 RIVER RD, STURBRIDGE, MA 01566-1410
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance SAVERS COOPERATIVE BANK
Dec 18, 2025	Quit Claim Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Mar 27, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NORCOM MORTGAGE
May 1, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2025 · Amount on File
Deed Sale	Dec 18, 2025 · Amount on File
Prior Sale	Mar 27, 2023 · Amount on File
Deed Book / Page	72983 / 394
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STURBRIDGE MA
Property Address	89 RIVER RD, STURBRIDGE, MA 01566-1410
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068256-304
Date	Sep 23, 2022
Book Page	68256/304
Instrument	104613

Lender

Name	SAVERS COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2042

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STURBRIDGE MA
Recording Date	Dec 18, 2025
Property Address	89 RIVER RD, STURBRIDGE, MA 01566-1410
Document Number	072983-394
Book / Page	72983 / 394
Instrument Date	Dec 18, 2025
Instrument	110532
Transaction Type	Transfer
Record Updated	Jan 7, 2026

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	89 RIVER RD, STURBRIDGE, MA 01566-1410

Mortgage

Document Number	0000110533
Date	Dec 18, 2025
Instrument	110533

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STURBRIDGE MA
Recording Date	Mar 27, 2023
Property Address	89 RIVER RD, STURBRIDGE, MA 01566-1410
Document Number	068954-165
Book / Page	68954 / 165
Instrument Date	Mar 27, 2023
Instrument	23326
Transaction Type	Transfer
Record Updated	Nov 20, 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
Relationship	Tenants by the Entirety
Address	89 RIVER RD, STURBRIDGE, MA 01566-1410

Mortgage

Document Number	0000023327
Date	Mar 27, 2023
Instrument	23327

Lender

Name	NORCOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STURBRIDGE MA
Recording Date	May 1, 2017
Property Address	89 RIVER RD, STURBRIDGE, MA 01566-1410
Document Number	57053-164
Book / Page	057053 / 000164
Instrument Date	Apr 29, 2017
Instrument	43717
Transaction Type	Transfer
Record Updated	May 23, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	17 MARC AVE SOUTHBRIDGE MA 015503833, SOUTHBRIDGE, MA 01550-3833

Tax Assessment & Valuation

The 2026 property tax bill for 89 River Rd was $6,118, up 15.7% 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	$6,118.00 (+15.67%)	$392,200 (+18.13%) Land $89,300 Building $302,900	$457,515 (+9.93%)
2025	$5,289.00 (+6.53%)	$332,000 (+10.26%) Land $85,800 Building $246,200	$416,195 (+5.34%)
2024	$4,965.00 (+5.75%)	$301,100 (+15.9%) Land $84,100 Building $217,000	$395,105
2023	$4,695.00	$259,800 Land $73,200 Building $186,600

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

Flood

FEMA maps place 89 River Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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 89 River 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 18 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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