109 Circuit Rd, Winthrop, MA 02152 Property Records

Suffolk County and Winthrop Town City property record for 109 Circuit Rd, Winthrop, MA 02152

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,884 sqft · built 1916
Lot Size	0.113 acres (4,934 sqft)
Owner	2 Individual Names on File
Last Sale	$530,000 (Nov 2015)
Tax Bill	$9,597 (2026)
Deeds & Mortgages	Jun 2025 Line of Credit Mar 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINT M:028 L:009`

Property Details

APN / Parcel Number

Primary APN	`WINT M:028 L:009`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,884 sqft Living Area
Gross Area	3,748 sqft
Basement Area	862 sqft
Unfinished Basement	862 sqft

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Architectural Style	Other
Exterior Material	Other
Roof Type	Hip
Roof Material	Asphalt
Lot Area	4,934 sqft (0.113 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	109 CIRCUIT RD
City	WINTHROP
State	MA
Zip	02152-2820
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	TOWN WINTHROP
Legal Lot Number	9
Jurisdiction	WINTHROP MA
Township / Civil Division	WINTHROP TOWN
Census Block Group	3
Census Block	3008
Census Tract	180301

Owner

109 Circuit Rd is owned and occupied by two individuals who bought it in November 2015.

Source: Suffolk County and Winthrop Town City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	109 CIRCUIT RD, WINTHROP, MA 02152-2820
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
Jun 27, 2025	Deed of Trust, Mortgage · Line of Credit WEBSTER FIRST FCU
Mar 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP
Jul 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2015 · Amount on File
Deed Sale	Nov 19, 2015 · Amount on File
Prior Sale	Apr 14, 2008 · Amount on File
Deed Book / Page	55346 / 145
Transfer Doc	055346-145
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	109 CIRCUIT RD, WINTHROP, MA 02152-2820
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071565-67
Date	Jun 27, 2025
Book Page	71565/67
Instrument	39503

Lender

Name	WEBSTER FIRST FCU

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Jul 1, 2065

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	109 CIRCUIT RD, WINTHROP, MA 02152-2820
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065084-139
Date	Mar 26, 2021
Book Page	65084/139
Instrument	32762

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Apr 1, 2046

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	109 CIRCUIT RD, WINTHROP, MA 02152-2820
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63382-214
Date	Jul 17, 2020
Book Page	63382/214
Instrument	57823

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2045

Tax Assessment & Valuation

The 2026 property tax bill for 109 Circuit Rd was $9,597, up 16.6% from the year before.

Source: Suffolk County and Winthrop Town City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Suffolk County
Municipality	Winthrop Town City
Unified School District	Winthrop School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,597.00 (+16.6%)	$861,500 (+8.01%) Land $455,700 Building $405,800	$831,952
2025	$8,231.00 (+1.55%)	$797,600 (+2.55%) Land $434,000 Building $363,600
2024	$8,105.00 (+7.85%)	$777,800 (+10.75%) Land $417,200 Building $360,600	$873,810
2023	$7,515.00	$702,300 Land $381,800 Building $320,500

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

Flood

FEMA maps place 109 Circuit Rd in Zone X, an area of minimal flood risk, though there have been 75 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective January 21, 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 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	75 (1978–2022)
Claims Outside the SFHA	6 of 75
Most Recent Claim	Dec 2022 · rainfall accumulation
Claims by Event	Winter Coastal Storm, Dec 1992 · 6 claims Coastal Storm, Oct 1991 · 15 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 4 claims

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 109 Circuit 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	WINTHROP WATER DIVISION, (MWRA) serves 19,316 people · EPA ID MA3346000
Water Source	Purchased surface water from MWRA
Last State Inspection	Dec 2023
Lead	8 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 662 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Netafy Fixed Wireless	600 / 150
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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