98 Chatham St, Worcester, MA 01609 Property Records

Worcester County and Worcester City property record for 98 Chatham St, Worcester, MA 01609

Property Summary

Property Type	Triplex
Details	9 bd · 3 ba · 3,772 sqft · built 1890
Lot Size	0.134 acres (5,827 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,089 (2026)
Deeds & Mortgages	Mar 2024 Transfer May 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-026-00011`

Property Details

APN / Parcel Number

Primary APN	`3-026-00011`
Alternative APN	`WORC M:03 B:026 L:00011`

Interior

Bedrooms	9 Beds
Full Baths	3 Baths
Total Rooms	18 Rooms
Units	3 Units
Stories	3 Stories
Building Area	3,772 sqft Living Area
Gross Area	5,396 sqft
1st Floor Area	1,304 sqft
Basement Area	1,384 sqft
Unfinished Basement	1,384 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1986
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Stone
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	5,827 sqft (0.134 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Steam

Location & Zoning

Account Number	3-026-00011
Street Address	98 CHATHAM ST
City	WORCESTER
State	MA
Zip	01609-2029
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	RG-5
Legal Block	26
Legal Lot Number	11
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3009
Census Tract	731500

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	2 Individual Names on Record
Mailing Address	98 CHATHAM ST, WORCESTER, MA 01609-2029
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2024	Quit Claim Deed, Transfer Quitclaim
May 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance RCAP SOLUTIONS FINANCIAL SVCS CO
Aug 31, 2018	Deed of Trust, Mortgage · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Oct 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 7, 2024
Transfer Doc	0070271-43
Record Updated	Oct 29, 2026

March 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Mar 11, 2024
Property Address	98 CHATHAM ST, WORCESTER, MA 01609-2029
Document Number	0070271-43
Book / Page	70271 / 43
Instrument Date	Mar 7, 2024
Instrument	17316
Transaction Type	Transfer
Record Updated	Mar 29, 2024

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	98 CHATHAM ST, WORCESTER, MA 01609-2029

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	98 CHATHAM ST, WORCESTER, MA 01609-2029
Transaction Type	Mortgage
Record Updated	Jun 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	65280-195
Date	May 28, 2021
Book Page	65280/195
Instrument	74912

Lender

Name	RCAP SOLUTIONS FINANCIAL SVCS CO

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	98 CHATHAM ST, WORCESTER, MA 01609-2029
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	59349-185
Date	Aug 31, 2018
Book Page	59349/185
Instrument	92648

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	98 CHATHAM ST, WORCESTER, MA 01609-2029
Document Number	61277-305
Instrument Date	Oct 9, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	98 CHATHAM ST WORCESTER MA 016092029, WORCESTER, MA 01609-2029

Mortgage

Document Number	61277-305
Date	Oct 23, 2019
Book Page	061277/000305
Instrument	111744

Lender

Name	PENNYMAC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 22, 2049

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	$7,089.00 (+2.83%)	$533,800 (+2.12%) Land $59,100 Building $474,700
2025	$6,894.00 (+15.48%)	$522,700 (+25.56%) Land $58,400 Building $464,300
2023	$5,970.00	$416,300 Land $46,200 Building $370,100

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

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 497 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.

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