11 Harvard St, Winchester, MA 01890 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,871 sqft · built 1891
Lot Size	0.064 acres (2,801 sqft)
Owner	Individual Name on File
Tax Bill	$10,166 (2026)
Deeds & Mortgages	Oct 2023 Refinance Apr 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`WINC M:011 B:0146 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:011 B:0146 L:0`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	1,871 sqft Living Area
Gross Area	3,116 sqft
Basement Area	868 sqft
Unfinished Basement	868 sqft

Exterior

Year Built	Built 1891
Effective Year Built	Effective 1891
Architectural Style	Other
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,801 sqft (0.064 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	11 HARVARD ST
City	WINCHESTER
State	MA
Zip	01890-1213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG
Legal Block	146
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	2
Census Block	2011
Census Tract	338100

Owner

11 Harvard St is owned and occupied by an individual who acquired it in August 2013.

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

Owner of Record	Individual Name on File
Mailing Address	11 HARVARD ST, WINCHESTER, MA 01890-1213
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
Oct 27, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE CORP EAST III
Apr 27, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2013
Deed Sale	Aug 14, 2013
Deed Document Number	201317
Deed Book / Page	62446 / 542
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	11 HARVARD ST, WINCHESTER, MA 01890-1213
Transaction Type	Mortgage
Record Updated	Nov 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	082143-378
Date	Oct 27, 2023
Book Page	82143/378
Instrument	122398

Lender

Name	MORTGAGE CORP EAST III
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	11 HARVARD ST, WINCHESTER, MA 01890-1213
Document Number	69296-583
Book / Page	069296 / 000583
Instrument Date	Apr 27, 2017
Transaction Type	Mortgage
Record Updated	Jun 9, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69296-583
Date	May 18, 2017
Book Page	069296/000583
Instrument	73458

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 11 Harvard St was $10,166, up 10,380.4% 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	$10,166.00 (+10,380.41%)	$917,500 (+4.31%) Land $559,200 Building $358,300	$992,412 (+13.55%)
2025	$97.00 (-98.97%)	$879,600 (+5.44%) Land $531,200 Building $348,400	$874,000
2024	$9,451.00 (+1.93%)	$834,200 (+6.16%) Land $503,300 Building $330,900
2023	$9,272.00	$785,800 Land $461,300 Building $324,500

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

Flood

FEMA maps place 11 Harvard St in Zone X, an area of minimal flood risk, though there have been 11 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 16 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	11 (1978–2023)
Claims Outside the SFHA	6 of 11
Most Recent Claim	Aug 2023 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims Severe Storms And Flooding, Mar 2001 · 2 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

Wildfire risk around 11 Harvard 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	Indirect 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	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 618 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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