10 Simonds Rd, Melrose, MA 02176 Property Records

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

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,976 sqft · built 1900
Lot Size	0.295 acres (12,833 sqft)
Owner	2 Individual Names on File
Last Sale	$1,375,000 (Nov 2025)
Tax Bill	$10,735 (2026)
Deeds & Mortgages	Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:0G8 P:0042=43`

Property Details

APN / Parcel Number

Primary APN	`M:0G8 P:0042=43`
Alternative APN	`MELR M:0G8 P:0042-43`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,976 sqft Living Area
Gross Area	4,792 sqft
Basement Area	1,488 sqft
Unfinished Basement	744 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,833 sqft (0.295 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	10 SIMONDS RD
City	MELROSE
State	MA
Zip	02176-4215
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	SRB
Legal Subdivision	MELROSE
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	6
Census Block	6005
Census Tract	336300

Owner

10 Simonds Rd, a duplex, is owned and occupied by two individuals who bought it in November 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	10 SIMONDS RD, MELROSE, MA 02176-4215
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2025 · Amount on File
Deed Sale	Nov 7, 2025 · Amount on File
Prior Sale	Jun 2, 2004 · Amount on File
Deed Document Number	2025136537
Deed Book / Page	84849 / 478
Record Updated	Oct 29, 2026

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Nov 7, 2025
Property Address	10 SIMONDS RD, MELROSE, MA 02176-4215
Document Number	084849-478
Book / Page	84849 / 478
Instrument Date	Nov 7, 2025
Instrument	136537
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount on Record
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	Joint Tenants
Address	10 SIMONDS RD, MELROSE, MA 02176-4215

Mortgage

Document Number	0000136538
Date	Nov 7, 2025
Instrument	136538

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Dec 1, 2032
Index	Other
Margin	3

Tax Assessment & Valuation

The 2026 property tax bill for 10 Simonds Rd was $10,735, up 22.3% 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	$10,735.00 (+22.28%)	$935,900 (+5.54%) Land $513,600 Building $422,300	$988,395
2025	$8,779.00 (+5.81%)	$886,800 (+6.14%) Land $484,300 Building $402,500
2024	$8,297.00 (-1.86%)	$835,500 (+2.98%) Land $454,900 Building $380,600
2023	$8,454.00	$811,300 Land $440,200 Building $371,100

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

Flood

FEMA maps place 10 Simonds Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

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
Flood Insurance Cost	Premium on File median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	2 (1978–2006)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 2006 · Severe Storms And Flooding

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 Simonds 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 456 locations within half a mile, as of December 31, 2025

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