99 Osgood Rd, Sterling, MA 01564 Property Records

Worcester County and Sterling Town property record for 99 Osgood Rd, Sterling, MA 01564

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 6,194 sqft · built 1999
Lot Size	11.3 acres (495,277 sqft)
Owner	Individual Name on Record
Last Sale	$599,900 (Aug 2021)
Tax Bill	$22,732 (2026)
Deeds & Mortgages	Mar 2021 Line of Credit Nov 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`STER M:00063 L:00020`

Property Details

APN / Parcel Number

Primary APN	`STER M:00063 L:00020`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	6,194 sqft Living Area
Gross Area	14,854 sqft
Basement Area	2,996 sqft
Unfinished Basement	2,996 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	495,277 sqft (11.3 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	99 OSGOOD RD
City	STERLING
State	MA
Zip	01564-2002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RRF
Legal Lot Number	20
Jurisdiction	STERLING MA
Township / Civil Division	STERLING
Census Block Group	3
Census Block	3006
Census Tract	719100

Owner

Source: Worcester County and Sterling Town 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	Individual Name on Record
Mailing Address	99 OSGOOD RD, CHARLTON, MA 01507-5347
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2021	Deed of Trust, Mortgage · Line of Credit FIDELITY COOPERATIVE BANK
Nov 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FIDELITY COOPERATIVE BANK
Aug 30, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CORNERSTONE BANK
Jun 25, 2018	Deed of Trust, Mortgage FAMILY FSLA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2021 · Amount on Record
Deed Sale	Aug 30, 2021 · Amount on Record
Prior Sale	Aug 30, 2000 · Amount on Record
Deed Document Number	2021121532
Deed Book / Page	65944 / 101
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	99 OSGOOD RD, STERLING, MA 01564-2002
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64598-203
Date	Mar 3, 2021
Book Page	64598/203
Instrument	29803

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2041

Interest

Rate Type	Adjustable Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	99 OSGOOD RD, STERLING, MA 01564-2002
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63861-316
Date	Nov 30, 2020
Book Page	63861/316
Instrument	146821

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLTON MA
Recording Date	Aug 30, 2021
Property Address	99 OSGOOD RD, STERLING, MA 01564-2002
Document Number	65944-101
Book / Page	65944 / 101
Instrument Date	Aug 30, 2021
Instrument	121532
Transaction Type	Transfer
Record Updated	Sep 17, 2021

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
Relationship	Tenants by the Entirety
Address	99 OSGOOD RD, CHARLTON, MA 01507-5347

Mortgage

Document Number	121533
Date	Aug 30, 2021
Instrument	121533

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STERLING MA
Property Address	99 OSGOOD RD, STERLING, MA 01564-2002
Document Number	59009-349
Instrument Date	Jun 25, 2018
Transaction Type	Mortgage
Record Updated	Jul 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	99 OSGOOD RD STERLING MA 015642002, STERLING, MA 01564-2002

Mortgage

Document Number	59009-349
Date	Jun 27, 2018
Book Page	059009/000349
Instrument	64058

Lender

Name	FAMILY FSLA

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jun 26, 2033

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
2026	$22,732.00 (+0.09%)	$1,811,300 (+2.72%) Land $279,200 Building $1,532,100	$1,135,587
2025	$22,711.00 (+2.53%)	$1,763,300 (+5.95%) Land $233,100 Building $1,530,200
2024	$22,151.00 (+16.74%)	$1,664,200 (+25.42%) Land $227,000 Building $1,437,200
2023	$18,975.00	$1,326,900 Land $218,900 Building $1,108,000

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 · 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
Nearby Flood Policies	1 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

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	0.02% 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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