97 Howard St, Northborough, MA 01532 Property Records

Worcester County and Northborough Town property record for 97 Howard St, Northborough, MA 01532

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,468 sqft · built 1997
Lot Size	0.484 acres (21,100 sqft)
Owner	2 Individual Names on File
Last Sale	$935,000 (Nov 2025)
Tax Bill	$11,902 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Nov 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`NBOR M:0440 L:0043`

Property Details

APN / Parcel Number

Primary APN	`NBOR M:0440 L:0043`
Alternative APN	`M:056.0 B:0000 L:0075.0`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	2,468 sqft Living Area
Gross Area	5,300 sqft
1st Floor Area	1,440 sqft
Basement Area	1,440 sqft
Unfinished Basement	1,440 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,100 sqft (0.484 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	97 HOWARD ST
City	NORTHBOROUGH
State	MA
Zip	01532-1441
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Subdivision	NORTHBOROUGH
Legal Lot Number	43
Jurisdiction	NORTHBOROUGH MA
Township / Civil Division	NORTHBOROUGH
Census Block Group	3
Census Block	3029
Census Tract	740101

Owner

97 Howard St is owned and occupied by two individuals who bought it in November 2025.

Source: Worcester County and Northborough Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	97 HOWARD ST, NORTHBOROUGH, MA 01532-1441
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Nov 12, 2025	Quit Claim Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Dec 14, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2025 · Amount on File
Deed Sale	Nov 12, 2025 · Amount on File
Prior Sale	Aug 7, 2015 · Amount on File
Deed Document Number	202598575
Deed Book / Page	72814 / 156
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHBOROUGH MA
Property Address	97 HOWARD ST, NORTHBOROUGH, MA 01532-1441
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	073100-234
Date	Jan 20, 2026
Book Page	73100/234
Instrument	4526

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

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

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTHBOROUGH MA
Recording Date	Nov 12, 2025
Property Address	97 HOWARD ST, NORTHBOROUGH, MA 01532-1441
Document Number	072814-156
Book / Page	72814 / 156
Instrument Date	Nov 12, 2025
Instrument	202500098575
Transaction Type	Transfer
Record Updated	Jan 19, 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
Relationship	Tenants by the Entirety
Address	97 HOWARD ST, NORTHBOROUGH, MA 01532-1441

Mortgage

Document Number	0000098576
Date	Nov 12, 2025
Instrument	98576

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTHBOROUGH MA
Recording Date	Dec 14, 2018
Property Address	97 HOWARD ST, NORTHBOROUGH, MA 01532-1441
Document Number	59822-261
Book / Page	059822 / 000261
Instrument Date	Dec 12, 2018
Instrument	132584
Transaction Type	Transfer
Record Updated	Jan 2, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 HOWARD ST NORTHBOROUGH MA 015321441, NORTHBOROUGH, MA 01532-1441

Tax Assessment & Valuation

The 2025 property tax bill for 97 Howard St was $11,902, up 9% from the year before.

Source: Worcester County and Northborough Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Northborough Town
Elementary School District	Northborough School District (KG - 08)
Secondary School District	Northborough-Southborough School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,902.00 (+8.96%)	$835,200 (+9.19%) Land $260,400 Building $574,800	$890,055 (+2.6%)
2024	$10,923.00 (+6.42%)	$764,900 (+10.22%) Land $215,800 Building $549,100	$867,540
2023	$10,264.00	$694,000 Land $203,800 Building $490,200

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

Flood

FEMA maps place 97 Howard St 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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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 97 Howard St is low, with less than 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 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NORTHBOROUGH WATER DEPARTMENT (MWRA) serves 13,551 people · EPA ID MA2215000
Water Source	Purchased surface water from MWRA
Last State Inspection	May 2024
Lead	1 ppb (2025) 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 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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