98 Mashapaug Rd, Sturbridge, MA 01566 Property Records

Worcester County and Sturbridge Town property record for 98 Mashapaug Rd, Sturbridge, MA 01566

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,800 sqft · built 2001
Lot Size	1.28 acres (55,757 sqft)
Owner	Individual Name on File
Last Sale	$203,946 (Aug 2001)
Tax Bill	$6,546 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`423-04224-098`

Property Details

APN / Parcel Number

Primary APN	`423-04224-098`
Alternative APNs	`STUR M:423 B:000 L:4224-098` `M:423 B:000 L:4224=098`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,800 sqft Living Area
Gross Area	2,784 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	55,757 sqft (1.28 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	423-04224-098
Street Address	98 MASHAPAUG RD
City	STURBRIDGE
State	MA
Zip	01566-1406
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Subdivision	HALL DAVID CO
Legal Lot Number	4224-98
Jurisdiction	STURBRIDGE MA
Township / Civil Division	STURBRIDGE
Census Block Group	1
Census Block	1052
Census Tract	758101

Owner

98 Mashapaug Rd is owned and occupied by an individual who acquired it in September 2021.

Source: Worcester County and Sturbridge Town records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	98 MASHAPAUG RD, STURBRIDGE, MA 01566-1406
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 28, 2026	Deed of Trust, Mortgage · Line of Credit TRUST BANK
Jan 28, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Sep 22, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Sep 22, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2001 · Amount on File
Deed Sale	Aug 24, 2001 · Amount on File
Prior Sale	Aug 3, 2001 · Amount on File
Deed Book / Page	24692 / 3
Last Transfer Date	Sep 17, 2021
Transfer Doc	066117-171
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STURBRIDGE MA
Recording Date	Sep 28, 2026
Property Address	98 MASHAPAUG RD, STURBRIDGE, MA 01566-1406
Document Number	0000084714
Book / Page	74223 / 275
Instrument Date	Sep 23, 2026
Instrument	202684714
Transaction Type	Mortgage
Record Updated	Oct 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 MASHAPAUG RD, STURBRIDGE, MA 01566-1406

Mortgage

Document Number	0000084714,
Date	Sep 28, 2026
Book Page	74223/275
Instrument	202684714

Lender

Name	TRUST BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STURBRIDGE MA
Property Address	98 MASHAPAUG RD, STURBRIDGE, MA 01566-1406
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064337-219
Date	Jan 28, 2021
Book Page	64337/219
Instrument	12935

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	145 Months
Due	Feb 1, 2033

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STURBRIDGE MA
Recording Date	Sep 22, 2021
Property Address	98 MASHAPAUG RD, STURBRIDGE, MA 01566-1406
Document Number	66117-167
Book / Page	66117 / 167
Instrument Date	Sep 17, 2021
Instrument	132722
Transaction Type	Transfer
Record Updated	Oct 8, 2021

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
Address	98 MASHAPAUG RD, STURBRIDGE, MA 01566-1406

Mortgage

Document Number	66117-171
Date	Sep 22, 2021
Book Page	66117/171
Instrument	132723

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STURBRIDGE MA
Recording Date	Sep 22, 2021
Property Address	98 MASHAPAUG RD, STURBRIDGE, MA 01566-1406
Document Number	066117-167
Book / Page	66117 / 167
Instrument Date	Sep 17, 2021
Instrument	132722
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Address	98 MASHAPAUG RD, STURBRIDGE, MA 01566-1406

Mortgage

Document Number	0000132723
Date	Sep 22, 2021
Instrument	132723

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 98 Mashapaug Rd was $6,546, up 3.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Sturbridge Town
Elementary School District	Sturbridge School District (PK - 06)
Secondary School District	Tantasqua School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,546.00 (+3.07%)	$419,600 (+5.24%) Land $89,000 Building $330,600	$474,254 (+6.24%)
2025	$6,351.00 (+1.97%)	$398,700 (+5.56%) Land $85,500 Building $313,200	$446,405 (+3.89%)
2024	$6,228.00 (+6.28%)	$377,700 (+16.47%) Land $83,800 Building $293,900	$429,685
2023	$5,860.00	$324,300 Land $72,900 Building $251,400

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

Flood

FEMA maps place 98 Mashapaug Rd in Zone X, an area of minimal flood risk, within 500 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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 98 Mashapaug Rd is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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