97 N Row Rd, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 97 N Row Rd, Sterling, MA 01564

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,728 sqft · built 2002
Lot Size	1.25 acres (54,450 sqft)
Owner	Individual Name on Record
Last Sale	$560,000 (Oct 2025)
Tax Bill	$6,227 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Aug 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`STER M:00022 L:00016`

Property Details

APN / Parcel Number

Primary APN	`STER M:00022 L:00016`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,728 sqft Living Area
Gross Area	2,784 sqft
1st Floor Area	1,659 sqft
Basement Area	1,296 sqft
Unfinished Basement	1,296 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	54,450 sqft (1.25 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	97 N ROW RD
City	STERLING
State	MA
Zip	01564-2229
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	16
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	2
Census Block	2000
Census Tract	719100

Owner

Source: Worcester County and Sterling Town 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	Individual Name on Record
Mailing Address	38 MIDDLE ST, LEOMINSTER, MA 01453-3861
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2025	Quit Claim Deed, Transfer UNITED WHOLESALE MORTGAGE
Aug 18, 2022	Quit Claim Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Sep 10, 2019	Deed of Trust, Mortgage · Line of Credit DIGITAL FCU
Aug 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage DIGITAL EMP FCU
Aug 29, 2017	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2025 · Amount on Record
Deed Sale	Oct 29, 2025 · Amount on Record
Prior Sale	Aug 18, 2022
Deed Book / Page	72750 / 51
Prior Transfer Date	Aug 13, 2022
Prior Transfer Doc	0068090-21
Record Updated	Sep 20, 2026

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	Oct 29, 2025
Property Address	97 N ROW RD, STERLING, MA 01564-2229
Document Number	0072750-51
Book / Page	72750 / 51
Instrument Date	Oct 27, 2025
Instrument	94010
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 MIDDLE ST, LEOMINSTER, MA 01453-3861

Mortgage

Document Number	0000094011
Date	Oct 29, 2025
Instrument	94011

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	Aug 18, 2022
Property Address	97 N ROW RD, STERLING, MA 01564-2229
Document Number	0068090-21
Book / Page	68090 / 21
Instrument Date	Aug 13, 2022
Instrument	91302
Transaction Type	Transfer
Record Updated	Jul 24, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	97 N ROW RD, STERLING, MA 01564-2229

Mortgage

Document Number	0000091303
Date	Aug 18, 2022
Instrument	91303

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	97 N ROW RD, STERLING, MA 01564-2229
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	061022-271
Date	Sep 10, 2019
Book Page	61022/271
Instrument	92375

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Oct 1, 2059

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	97 N ROW RD, STERLING, MA 01564-2229
Document Number	57649-316
Instrument Date	Aug 24, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57649-316
Date	Aug 29, 2017
Book Page	057649/000316
Instrument	94330

Lender

Name	DIGITAL EMP FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STERLING MA
Recording Date	Aug 29, 2017
Property Address	97 N ROW RD, STERLING, MA 01564-2229
Document Number	57649-313
Book / Page	057649 / 000313
Instrument Date	Aug 24, 2017
Instrument	94329
Transaction Type	Transfer
Record Updated	Nov 18, 2017
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 N ROW RD STERLING MA 015642229, STERLING, MA 01564-2229

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Sterling Town
Unified School District	Wachusett School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,227.00 (+1.48%)	$483,500 (+4.88%) Land $132,900 Building $350,600	$558,125 (+6.95%)
2024	$6,136.00 (+6.1%)	$461,000 (+14%) Land $132,900 Building $328,100	$521,835
2023	$5,783.00	$404,400 Land $132,900 Building $271,500

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	Low lower than 67% of the US · above 98.2% of Massachusetts
Wildfire Likelihood	0.02% 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	STERLING WATER DEPARTMENT serves 6,814 people · EPA ID MA2282000
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	9 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Feb 2024
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on N Row Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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