98 Carter St, Lancaster, MA 01523 Property Records

Worcester County and Lancaster Town property record for 98 Carter St, Lancaster, MA 01523 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,248 sqft · built 1953
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Sep 2021)
Tax Bill	$7,272 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`LANC M:042.0 B:0000 L:0042.0`

Property Details

APN / Parcel Number

Primary APN	`LANC M:042.0 B:0000 L:0042.0`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,248 sqft Living Area
1st Floor Area	832 sqft
Basement Area	832 sqft
Unfinished Basement	208 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1990
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,117 sqft (0.37 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	98 CARTER ST
City	LANCASTER
State	MA
Zip	01523-2049
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	42.0
Jurisdiction	LANCASTER MA
Township / Civil Division	LANCASTER
Census Block Group	2
Census Block	2017
Census Tract	713100

Owner

Source: Worcester County and Lancaster Town records · APN LANC M:042.0 B:0000 L:0042.0

Assessment roll updated April 14, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	98 CARTER ST, LANCASTER, MA 01523-2049
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 23, 2021 · Amount on Record
Deed Sale	Sep 23, 2021 · Amount on Record
Prior Sale	Aug 29, 2016
Deed Document Number	2021133431
Deed Book / Page	66127 / 37
Transfer Doc	55878-119
Record Updated	Sep 20, 2026

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LANCASTER MA
Recording Date	Sep 23, 2021
Property Address	98 CARTER ST, LANCASTER, MA 01523-2049
Document Number	66127-37
Book / Page	66127 / 37
Instrument Date	Sep 23, 2021
Instrument	133431
Transaction Type	Transfer
Record Updated	Oct 08, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	98 CARTER ST, LANCASTER, MA 01523-2049

Mortgage

Document Number	133432
Date	Sep 23, 2021
Instrument	133432

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Worcester County and Lancaster Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,272.00 (+6.21%)	$450,000 (+12.98%) Land $104,900 Building $345,100	$543,305 (+6.9%)
2024			$508,250
2023	$6,847.00	$398,300 Land $88,700 Building $309,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277131002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 13 individual NFIP policies nearby
Nearby Flood Policies	13 in force
Nearby Flood Claims	9 (1978–2010)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Mar 2010, river or lake flooding, Severe Storms And Flooding
Claims By Storm	Severe Storms And Flooding, Mar 2010 · 2 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 149 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.