Worcester County and Holden Town property record for 95 Cutler Rd, Jefferson, MA 01522
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,391 sqft · built 2018 |
| Lot Size | 2.33 acres (101,855 sqft) |
| Owner | Individual Name on File |
| Last Sale | $465,000 (May 2019) |
| Tax Bill | $9,087 (2026) |
| Deeds & Mortgages | Sep 2021 Refinance Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | HOLD M:84 B:28 |
| Primary APN | HOLD M:84 B:28 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,391 sqft Living Area |
| Gross Area | 4,164 sqft |
| 1st Floor Area | 974 sqft |
| Basement Area | 956 sqft |
| Unfinished Basement | 956 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 101,855 sqft (2.33 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 8428 |
|---|---|
| Street Address | 95 CUTLER RD |
| City | JEFFERSON |
| State | MA |
| Zip | 01522-1158 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 28 |
| Jurisdiction | HOLDEN MA |
| Township / Civil Division | HOLDEN |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 728400 |
95 Cutler Rd is owned and occupied by an individual who bought it in May 2019.
Source: Worcester County and Holden Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 95 CUTLER RD, JEFFERSON, MA 01522-1158 |
| 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.
| Date | Document |
|---|---|
| Sep 20, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ROSS MORTGAGE COMPANY INC |
| Mar 25, 2020 | Deed of Trust, Mortgage ROSS MTG CO INC |
| May 31, 2019 | Quit Claim Deed, Transfer · Conventional with PMI ROSS MTG CO INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 31, 2019 · Amount on File |
| Deed Sale | May 31, 2019 · Amount on File |
| Deed Document Number | 201950199 |
| Deed Book / Page | 60491 / 148 |
| Prior Transfer Date | May 23, 2019 |
| Prior Transfer Doc | 60491-148 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOLDEN MA |
| Property Address | 95 CUTLER RD, JEFFERSON, MA 01522-1158 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2021 |
| Name | Verified Name |
|---|
| Document Number | 66095-344 |
|---|---|
| Date | Sep 20, 2021 |
| Book Page | 66095/344 |
| Instrument | 131439 |
| Name | ROSS MORTGAGE COMPANY INC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOLDEN MA |
| Property Address | 95 CUTLER RD, JEFFERSON, MA 01522-1158 |
| Document Number | 62121-87 |
| Instrument Date | Mar 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 95 CUTLER RD JEFFERSON MA 015221158, JEFFERSON, MA 01522-1158 |
| Document Number | 62121-87 |
|---|---|
| Date | Mar 30, 2020 |
| Book Page | 062121/000087 |
| Instrument | 32178 |
| Name | ROSS MTG CO INC |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 29, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HOLDEN MA |
| Recording Date | May 31, 2019 |
| Property Address | 95 CUTLER RD, JEFFERSON, MA 01522-1158 |
| Document Number | 60491-148 |
| Book / Page | 060491 / 000148 |
| Instrument Date | May 23, 2019 |
| Instrument | 50199 |
| Transaction Type | Transfer |
| Record Updated | Jun 18, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,120.40 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 95 CUTLER RD JEFFERSON MA 01522, JEFFERSON, MA 01522 |
| Document Number | 60491-151 |
|---|---|
| Date | May 31, 2019 |
| Book Page | 060491/000151 |
| Instrument | 50200 |
| Name | ROSS MTG CO INC |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 30, 2049 |
The 2026 property tax bill for 95 Cutler Rd was $9,087, up 1.8% from the year before.
Source: Worcester County and Holden Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Holden Town |
| Unified School District | Wachusett School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,087.00 (+1.8%) | $674,100 (+4.67%) Land $166,000 Building $508,100 | $693,646 (+38.76%) |
| 2025 | $8,926.00 (+3.51%) | $644,000 (+5.68%) Land $158,000 Building $486,000 | $499,890 |
| 2024 | $8,623.00 (+4.37%) | $609,400 (+10.56%) Land $153,600 Building $455,800 | |
| 2023 | $8,262.00 | $551,200 Land $133,500 Building $417,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 95 Cutler Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 95 Cutler 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HOLDEN WATER DIVISION, DPW serves 18,016 people · EPA ID MA2134000 |
|---|---|
| Water Source | Purchased surface water from WORCESTER DPWP, WATER SUPPLY DIVISION |
| Last State Inspection | Nov 2024 |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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