11 Stone Ave, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 11 Stone Ave, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,220 sqft · built 1950
Lot Size	0.138 acres (5,998 sqft)
Owner	2 Individual Names on File
Last Sale	$749,000 (Dec 2016)
Tax Bill	$13,384 (2026)
Deeds & Mortgages	Dec 2022 Line of Credit Oct 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:003 B:0164 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:003 B:0164 L:0`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,220 sqft Living Area
Gross Area	2,571 sqft
1st Floor Area	972 sqft
Basement Area	672 sqft
Unfinished Basement	336 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,998 sqft (0.138 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Gravity Furnace
Heating Fuel	Gas

Location & Zoning

Street Address	11 STONE AVE
City	WINCHESTER
State	MA
Zip	01890-1331
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDB
Legal Block	164
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	2
Census Block	2012
Census Tract	338100

Owner

11 Stone Ave is owned and occupied by two individuals who bought it in December 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	11 STONE AVE, WINCHESTER, MA 01890-1331
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
Dec 28, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Oct 19, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND
Aug 11, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MEMBERS MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2016 · Amount on File
Deed Sale	Dec 9, 2016 · Amount on File
Prior Sale	Dec 30, 2008 · Amount on File
Deed Book / Page	68564 / 111
Transfer Doc	068564-111
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	11 STONE AVE, WINCHESTER, MA 01890-1331
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0081112-91
Date	Dec 28, 2022
Book Page	81112/91
Instrument	188039

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	289 Months
Due	Jan 1, 2047

Interest

Rate Type	Adjustable Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	11 STONE AVE, WINCHESTER, MA 01890-1331
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75913-264
Date	Oct 19, 2020
Book Page	75913/264
Instrument	189541

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2045

Interest

Rate Type	Adjustable Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	11 STONE AVE, WINCHESTER, MA 01890-1331
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75338-449
Date	Aug 11, 2020
Book Page	75338/449
Instrument	134932

Lender

Name	MEMBERS MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 11 Stone Ave was $13,384, up 10,116.8% 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	$13,384.00 (+10,116.79%)	$1,207,900 (+1.84%) Land $694,600 Building $513,300	$1,381,018 (+14.76%)
2025	$131.00 (-98.91%)	$1,186,100 (+11.52%) Land $694,600 Building $491,500	$1,203,365
2024	$12,051.00 (+10.94%)	$1,063,600 (+15.53%) Land $604,000 Building $459,600
2023	$10,863.00	$920,600 Land $543,600 Building $377,000

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

Flood

FEMA maps place 11 Stone Ave 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 Stone Ave 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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