114 Garden St, Needham, MA 02492 Property Records

Norfolk County and Needham Town property record for 114 Garden St, Needham, MA 02492

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 926 sqft · built 1931
Lot Size	0.273 acres (11,892 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,200,000 (Oct 2024)
Tax Bill	$10,437 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:0520001700000`

Property Details

APN / Parcel Number

Primary APN	`M:0520001700000`
Alternative APN	`NEED M:052.0 B:0017 L:0000.0`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	926 sqft Living Area
Gross Area	1,852 sqft
1st Floor Area	926 sqft
Basement Area	926 sqft
Unfinished Basement	244 sqft

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1998
Architectural Style	Tudor
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,892 sqft (0.273 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	114 GARDEN ST
City	NEEDHAM
State	MA
Zip	02492-2043
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRB
Legal Block	17
Jurisdiction	NEEDHAM MA
Township / Civil Division	NEEDHAM
Census Block Group	3
Census Block	3019
Census Tract	457200

Owner

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 Record
Mailing Address	114 GARDEN ST, NEEDHAM, MA 02492-2043
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2024 · Amount on Record
Deed Sale	Oct 30, 2024 · Amount on Record
Prior Sale	Dec 29, 2023 · Amount on Record
Record Updated	Sep 20, 2026

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEEDHAM MA
Recording Date	Dec 29, 2023
Property Address	114 GARDEN ST, NEEDHAM, MA 02492-2043
Document Number	041581-416
Book / Page	41581 / 416
Instrument Date	Dec 29, 2023
Instrument	85943
Transaction Type	Transfer
Record Updated	Jan 12, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	114 GARDEN ST, NEEDHAM, MA 02492-2043

Mortgage

Document Number	0000085944
Date	Dec 29, 2023
Instrument	85944

Lender

Name	ROCKLAND CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Jan 1, 2029
Max Rate At Change	2.75%
Index	1-Year CMT

Tax Assessment & Valuation

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	$10,437.00 (+4.44%)	$984,600 (+28.49%) Land $681,200 Building $303,400	$1,137,815 (+2.54%)
2024			$1,109,600
2023	$9,993.00	$766,300 Land $507,500 Building $258,800

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

Flood

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

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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