95 Elm St, Worcester, MA 01609 Property Records

Worcester County and Worcester City property record for 95 Elm St, Worcester, MA 01609

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	3,984 sqft · built 1890
Lot Size	0.196 acres (8,520 sqft)
Owner	Company Name on Record
Last Sale	$747,000 (Jun 2021)
Deeds & Mortgages	Mar 2018 Mortgage Jun 2020 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`2-048-00006`

Property Details

APN / Parcel Number

Primary APN	`2-048-00006`
Alternative APN	`WORC M:02 B:048 L:00006`

Interior

Units	3 Units
Stories	3 Stories
Building Area	3,984 sqft Total Area
Gross Area	5,641 sqft
Basement Area	1,288 sqft
Unfinished Basement	1,288 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	8,520 sqft (0.196 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	2-048-00006
Street Address	95 ELM ST
City	WORCESTER
State	MA
Zip	01609-2105
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	RL-7
Legal Block	48
Legal Lot Number	6
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	4
Census Block	4011
Census Tract	731601

Owner

Source: Worcester County and Worcester City records, as of July 20, 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	8 POST OFFICE SQ, ACTON, MA 01720-3966
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2018	Deed of Trust, Mortgage COUNTRY BANK
Jun 11, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance COUNTRY BANK
Oct 26, 2021	Quit Claim Deed, Transfer Quitclaim
Jun 24, 2021	Quit Claim Deed, Transfer · Commercial Mortgage COUNTRY BANK
Oct 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage HILDA HAIMS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2021 · Amount on Record
Deed Sale	Jun 24, 2021 · Amount on Record
Prior Sale	Mar 25, 2015 · Amount on Record
Deed Document Number	202187850
Deed Book / Page	65464 / 38
Last Transfer Date	Oct 13, 2021
Transfer Doc	066384-167
Record Updated	Sep 20, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	95 ELM ST, WORCESTER, MA 01609-2105
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	058513-185
Date	Mar 6, 2018
Book Page	58513/185
Instrument	21463

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Amount	Amount Recorded

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	95 ELM ST, WORCESTER, MA 01609-2105
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	062573-200
Date	Jun 11, 2020
Book Page	62573/200
Instrument	61035

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Oct 26, 2021
Property Address	95 ELM ST, WORCESTER, MA 01609-2105
Document Number	066384-167
Book / Page	66384 / 167
Instrument Date	Oct 13, 2021
Instrument	150468
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	82 WENDELL AVE # 100, 100, PITTSFIELD, MA 01201-7066

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Jun 24, 2021
Property Address	95 ELM ST, WORCESTER, MA 01609-2105
Document Number	0065464-38
Book / Page	65464 / 38
Instrument Date	Jun 23, 2021
Instrument	87850
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Amount	Amount Recorded
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	82 WENDELL AVE # 100, 100, PITTSFIELD, MA 01201-7066

Mortgage

Document Number	0000087851
Date	Jun 24, 2021
Instrument	87851

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	95 ELM ST, WORCESTER, MA 01609-2105
Document Number	61303-164
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5 CLAREMONT ST WORCESTER MA 016101401, WORCESTER, MA 01610-1401

Mortgage

Document Number	61303-164
Date	Oct 25, 2019
Book Page	061303/000164
Instrument	113635

Lender

Name	HILDA HAIMS

Agreement

Type	Conventional Mortgage
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	Assessed Value	Assessed Market Value
2025	$498,300 (-0.52%) Land $133,500 Building $364,800	$695,590 (+18.65%)
2024		$586,245
2023	$500,900 Land $116,100 Building $384,800

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 528 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20

May also be available: AT&T, T-Mobile.

Nearby Properties on Elm St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures