109 Garden St, Needham, MA 02492 Property Records

Norfolk County and Needham Town property record for 109 Garden St, Needham, MA 02492

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,511 sqft · built 2007
Lot Size	0.236 acres (10,280 sqft)
Owner	2 Individual Names on File
Last Sale	$1,430,000 (Aug 2017)
Tax Bill	$20,548 (2025)
Deeds & Mortgages	Nov 2024 Line of Credit Feb 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:0520003500000`

Property Details

APN / Parcel Number

Primary APN	`M:0520003500000`
Alternative APN	`NEED M:052.0 B:0035 L:0000.0`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	1,511 sqft Living Area
Gross Area	4,066 sqft
1st Floor Area	1,511 sqft
Basement Area	1,493 sqft
Unfinished Basement	1,493 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,280 sqft (0.236 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	109 GARDEN ST
City	NEEDHAM
State	MA
Zip	02492-2029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRB
Legal Subdivision	NEEDHAM
Legal Block	35
Jurisdiction	NEEDHAM MA
Township / Civil Division	NEEDHAM
Census Block Group	3
Census Block	3019
Census Tract	457200

Owner

109 Garden St is owned and occupied by two individuals who bought it in August 2017.

Source: Norfolk County and Needham Town records, as of July 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	109 GARDEN ST, NEEDHAM, MA 02492-2029
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Feb 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Aug 24, 2017	Quit Claim Deed, Transfer LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2017 · Amount on File
Deed Sale	Aug 24, 2017 · Amount on File
Prior Sale	Jun 1, 2007 · Amount on File
Deed Book / Page	35389 / 110
Transfer Doc	035389-110
Record Updated	Oct 29, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	109 GARDEN ST, NEEDHAM, MA 02492-2029
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042092-384
Date	Nov 6, 2024
Book Page	42092/384
Instrument	73762

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	109 GARDEN ST, NEEDHAM, MA 02492-2029
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	038980-507
Date	Feb 9, 2021
Book Page	38980/507
Instrument	17093

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEEDHAM MA
Recording Date	Aug 24, 2017
Property Address	109 GARDEN ST, NEEDHAM, MA 02492-2029
Document Number	35389-110
Book / Page	35389 / 110
Instrument	79901
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$168.04
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	353890112
Date	Aug 24, 2017
Instrument	35389/0112

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 24, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 109 Garden St was $20,548.

Source: Norfolk County and Needham Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Norfolk County
County Subdivision	Needham Town
Unified School District	Needham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$20,548.00	$1,938,500 Land $797,500 Building $1,141,000	$1,949,780 (-13.43%)
2024			$2,252,260
2023	$20,688.00	$1,586,500 Land $504,800 Building $1,081,700

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

Flood

FEMA maps place 109 Garden St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 26, 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	4 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

Wildfire risk around 109 Garden St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	NEEDHAM WATER DEPT serves 31,664 people · EPA ID MA3199000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jun 2024
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 323 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
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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