97 Water St, Worcester, MA 01604 Property Records

Worcester County and Worcester City property record for 97 Water St, Worcester, MA 01604

Property Summary

Property Type	Office Building
Details	11,800 sqft · built 1915
Lot Size	0.115 acres (5,000 sqft)
Owner	Company Name on Record
Last Sale	$1,600,000 (Nov 2025)
Tax Bill	$30,435 (2026)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4-037-00018`

Property Details

APN / Parcel Number

Primary APN	`4-037-00018`
Alternative APN	`WORC M:04 B:037 L:00018`

Interior

Units	3 Units
Stories	4 Stories
Building Area	11,800 sqft Total Area
Gross Area	15,036 sqft
Basement Area	2,932 sqft
Unfinished Basement	2,932 sqft
Elevator	Elevator

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Other
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	5,000 sqft (0.115 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	4-037-00018
Street Address	97 WATER ST
City	WORCESTER
State	MA
Zip	01604-5033
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Local Zoning Code	BG-3
Legal Block	37
Legal Lot Number	18
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	1
Census Block	1031
Census Tract	732500

Owner

Source: Worcester County and Worcester City records, as of October 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	10 JEFFERSON RD, NORTHBOROUGH, MA 01532-2223
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2025	Quit Claim Deed, Transfer BAY STATE SAVINGS BANK
Apr 27, 2018	Deed of Trust, Mortgage HOMETOWN BANK
Apr 27, 2018	Deed of Trust, Mortgage HOMETOWN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2025 · Amount on Record
Deed Sale	Nov 18, 2025 · Amount on Record
Prior Sale	Jan 25, 2001 · Amount on Record
Deed Book / Page	72841 / 381
Prior Transfer Date	Nov 17, 2025
Prior Transfer Doc	072841-381
Record Updated	Oct 29, 2026

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Nov 18, 2025
Property Address	97 WATER ST, WORCESTER, MA 01604-5033
Document Number	072841-381
Book / Page	72841 / 381
Instrument Date	Nov 17, 2025
Instrument	100441
Transaction Type	Transfer
Record Updated	Dec 17, 2025

Transaction

Amount	Amount Recorded
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	10 JEFFERSON RD, NORTHBOROUGH, MA 01532-2223

Mortgage

Document Number	0000100442
Date	Nov 18, 2025
Instrument	100442

Lender

Name	BAY STATE SAVINGS BANK

Agreement

Amount	Amount Recorded

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	97 WATER ST, WORCESTER, MA 01604-5033
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58724-265
Date	Apr 27, 2018
Book Page	58724/265
Instrument	39878

Lender

Name	HOMETOWN BANK
Type	Bank

Agreement

Amount	Amount Recorded

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	97 WATER ST, WORCESTER, MA 01604-5033
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58724-251
Date	Apr 27, 2018
Book Page	58724/251
Instrument	39877

Lender

Name	HOMETOWN BANK
Type	Bank

Agreement

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	Tax Bill	Assessed Value
2026	$30,435.00 (+1.58%)	$1,047,300 (-) Land $264,100 Building $783,200
2025	$29,963.00 (-10.35%)	$1,047,300 (-2.05%) Land $245,700 Building $801,600
2023	$33,423.00	$1,069,200 Land $213,600 Building $855,600

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	22 (1984–2016)
Claims Outside the SFHA	1 of 22
Most Recent Claim	Oct 2016 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Oct 2005 · 4 claims

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

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 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

Nearby Properties on Water St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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