115 Garden St, Needham, MA 02492 Property Records

Norfolk County and Needham Town property record for 115 Garden St, Needham, MA 02492

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 925 sqft · built 1949
Lot Size	0.248 acres (10,803 sqft)
Owner	Individual Name on Record
Last Sale	$545,000 (Jan 2014)
Tax Bill	$11,411 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit May 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:0520003600000`

Property Details

APN / Parcel Number

Primary APN	`M:0520003600000`
Alternative APN	`NEED M:052.0 B:0036 L:0000.0`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	925 sqft Living Area
Gross Area	1,619 sqft
1st Floor Area	925 sqft
Basement Area	925 sqft
Unfinished Basement	475 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1999
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,803 sqft (0.248 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	115 GARDEN ST
City	NEEDHAM
State	MA
Zip	02492-2029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRB
Legal Block	36
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	115 GARDEN ST, NEEDHAM, MA 02492-2029
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2021	Deed of Trust, Mortgage · Line of Credit DIRECT CU
May 30, 2018	Deed of Trust, Mortgage DIGITAL FCU
Jul 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2014 · Amount on Record
Deed Sale	Jan 31, 2014 · Amount on Record
Prior Sale	Feb 14, 1992 · Amount on Record
Deed Book / Page	32051 / 384
Transfer Doc	24958-551
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	115 GARDEN ST, NEEDHAM, MA 02492-2029
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040092-511
Date	Nov 23, 2021
Book Page	40092/511
Instrument	147909

Lender

Name	DIRECT CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2041

Interest

Rate Type	Adjustable Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	115 GARDEN ST, NEEDHAM, MA 02492-2029
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036015-538
Date	May 30, 2018
Book Page	36015/538
Instrument	42812

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	240 Months
Due	May 1, 2038

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	115 GARDEN ST, NEEDHAM, MA 02492-2029
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	038151-237
Date	Jul 29, 2020
Book Page	38151/237
Instrument	75065

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

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	$11,411.00 (+11.69%)	$1,076,500 (+37.4%) Land $798,800 Building $277,700	$1,212,865 (-29.89%)
2024			$1,729,855
2023	$10,217.00	$783,500 Land $505,700 Building $277,800

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.

Nearby Properties on Garden St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures