11 Forest St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 11 Forest St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,439 sqft · built 1957
Lot Size	0.245 acres (10,672 sqft)
Owner	Individual Name on File
Last Sale	$164,000 (Oct 1994)
Tax Bill	$12,438 (2026)
Deeds & Mortgages	Mar 2021 Line of Credit Sep 2020 Refinance
Flood Zone	Zone AE (high risk)
APN	`WINC M:012 B:0088 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:012 B:0088 L:0`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,439 sqft Living Area
Gross Area	3,841 sqft
Basement Area	1,066 sqft
Unfinished Basement	1,066 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,672 sqft (0.245 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	11 FOREST ST
City	WINCHESTER
State	MA
Zip	01890-1207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG
Legal Block	88
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	3
Census Block	3023
Census Tract	338200

Owner

11 Forest St is owned and occupied by an individual who acquired it in August 2020.

Source: Middlesex County and Winchester Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	11 FOREST ST, WINCHESTER, MA 01890-1207
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 5, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Sep 8, 2020	Quit Claim Deed, Transfer · Stand-Alone Refinance LEADER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 1994 · Amount on File
Deed Sale	Oct 7, 1994 · Amount on File
Prior Sale	Oct 19, 1989 · Amount on File
Last Transfer Date	Aug 8, 2020
Transfer Doc	75552-134
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	11 FOREST ST, WINCHESTER, MA 01890-1207
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077148-275
Date	Mar 5, 2021
Book Page	77148/275
Instrument	49936

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Apr 1, 2046

Interest

Rate Type	Adjustable Rate

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Sep 8, 2020
Property Address	11 FOREST ST, WINCHESTER, MA 01890-1207
Document Number	75552-134
Book / Page	75552 / 134
Instrument Date	Aug 8, 2020
Instrument	155901
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 FOREST ST, WINCHESTER, MA 01890-1207

Mortgage

Document Number	75552-139
Date	Sep 8, 2020
Book Page	75552/139
Instrument	155902

Lender

Name	LEADER BANK NA
Type	Bank

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 11 Forest St was $12,438, up 10,095.1% from the year before.

Source: Middlesex County and Winchester Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Winchester Town
Unified School District	Winchester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,438.00 (+10,095.08%)	$1,122,600 (+1.25%) Land $577,400 Building $545,200	$1,254,964 (+3.18%)
2025	$122.00 (-98.88%)	$1,108,700 (+15.56%) Land $577,400 Building $531,300	$1,216,285
2024	$10,870.00 (+1.75%)	$959,400 (+5.98%) Land $468,600 Building $490,800
2023	$10,683.00	$905,300 Land $421,700 Building $483,600

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

Flood

FEMA maps place 11 Forest St in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 28 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	113 units insured incl. 85 condo units

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 11 Forest St is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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	WINCHESTER WATER DEPT serves 22,970 people · EPA ID MA3344000
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 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 260 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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