10 Harding Rd, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 10 Harding Rd, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,993 sqft · built 1929
Lot Size	0.107 acres (4,652 sqft)
Owner	2 Individual Names on File
Last Sale	$569,000 (Oct 2016)
Tax Bill	$9,918 (2026)
Deeds & Mortgages	Aug 2022 Line of Credit Feb 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:E10 P:0000052`

Property Details

APN / Parcel Number

Primary APN	`MELR M:E10 P:0000052`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,993 sqft Living Area
Gross Area	3,756 sqft
Basement Area	940 sqft
Unfinished Basement	940 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,652 sqft (0.107 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	10 HARDING RD
City	MELROSE
State	MA
Zip	02176-2412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URA
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	4
Census Block	4003
Census Tract	336202

Owner

10 Harding Rd is owned and occupied by two individuals who bought it in October 2016.

Source: Middlesex County and Melrose City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10 HARDING RD, MELROSE, MA 02176-2412
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Aug 15, 2022	Deed of Trust, Mortgage · Line of Credit ROCKLAND TRUST CO
Feb 26, 2018	Deed of Trust, Mortgage SAGE BANK
Sep 21, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF ENGLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2016 · Amount on File
Deed Sale	Oct 18, 2016 · Amount on File
Deed Book / Page	68230 / 419
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	10 HARDING RD, MELROSE, MA 02176-2412
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080583-372
Date	Aug 15, 2022
Book Page	80583/372
Instrument	125173

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2042

Interest

Rate Type	Adjustable Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	10 HARDING RD, MELROSE, MA 02176-2412
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70667-92
Date	Feb 26, 2018
Book Page	70667/92
Instrument	26166

Lender

Name	SAGE BANK

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2048

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	10 HARDING RD, MELROSE, MA 02176-2412
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75674-285
Date	Sep 21, 2020
Book Page	75674/285
Instrument	166984

Lender

Name	BANK OF ENGLAND

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 10 Harding Rd was $9,918, up 11,707.1% from the year before.

Source: Middlesex County and Melrose City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Melrose City
Unified School District	Melrose School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,918.00 (+11,707.14%)	$864,700 (+1.11%) Land $497,600 Building $367,100	$952,511 (+8.13%)
2025	$84.00 (-99.01%)	$855,200 (-) Land $497,600 Building $357,600	$880,935
2024	$8,492.00 (+5.89%)	$855,200 (+11.11%) Land $497,600 Building $357,600
2023	$8,020.00	$769,700 Land $443,800 Building $325,900

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

Flood

FEMA maps place 10 Harding Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

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

The area around 10 Harding Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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	MELROSE WATER DIVISION (MWRA) serves 29,938 people · EPA ID MA3178000
Water Source	Purchased surface water from MWRA
Last State Inspection	Oct 2025
Lead	10 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement currently in violation since Nov 2021
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 677 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
Netafy Fixed Wireless	476 / 106
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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