10 Rowe St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 10 Rowe St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 2,146 sqft · built 1900
Lot Size	0.101 acres (4,386 sqft)
Owner	2 Individual Names on File
Last Sale	$198,500 (Jun 1996)
Tax Bill	$9,213 (2026)
Deeds & Mortgages	Aug 2018 Mortgage Dec 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0D8 P:0000059`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0D8 P:0000059`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,146 sqft Living Area
Gross Area	3,898 sqft
Basement Area	939 sqft
Unfinished Basement	939 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,386 sqft (0.101 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10 ROWE ST
City	MELROSE
State	MA
Zip	02176-3517
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URB
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	2
Census Block	2008
Census Tract	336202

Owner

10 Rowe St is owned by two individuals who bought it in June 1996.

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

Owner of Record	2 Individual Names on File
Mailing Address	5400 EAGLES POINT CIR, 205, SARASOTA, FL 34231-9154
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 10, 2018	Deed of Trust, Mortgage TIAA CREF T CO FSB
Dec 20, 2019	Deed of Trust, Mortgage · Line of Credit TIAA CREF TRUST CO FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 1996 · Amount on File
Deed Sale	Jun 27, 1996 · Amount on File
Prior Sale	Nov 6, 1987 · Amount on File
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	10 ROWE ST, MELROSE, MA 02176-3517
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	71454-24
Date	Aug 10, 2018
Book Page	71454/24
Instrument	121947

Lender

Name	TIAA CREF T CO FSB

Agreement

Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2033

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	10 ROWE ST, MELROSE, MA 02176-3517
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73863-499
Date	Dec 20, 2019
Book Page	73863/499
Instrument	202601

Lender

Name	TIAA CREF TRUST CO FSB

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 10 Rowe St was $9,213, up 12,184% 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	$9,213.00 (+12,184%)	$803,200 (+4.91%) Land $469,300 Building $333,900	$892,922 (+7.1%)
2025	$75.00 (-98.97%)	$765,600 (+4.91%) Land $442,500 Building $323,100	$833,720
2024	$7,247.00 (-0.21%)	$729,800 (+4.72%) Land $415,600 Building $314,200
2023	$7,262.00	$696,900 Land $402,200 Building $294,700

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

Flood

FEMA maps place 10 Rowe St in Zone X, an area of minimal flood risk.

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

The area around 10 Rowe St 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 785 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.

Nearby Properties on Rowe St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures