Middlesex County and Winchester Town property record for 12 Girard Rd, Winchester, MA 01890
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 9 ba · 17,108 sqft · built 2006 |
| Lot Size | 0.783 acres (34,107 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $980,000 (Sep 2003) |
| Tax Bill | $60,654 (2026) |
| Deeds & Mortgages | Jul 2021 Refinance Jul 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WINC M:021 B:0123 L:0 |
| Primary APN | WINC M:021 B:0123 L:0 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 9 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 14 Rooms |
| Stories | 2 Stories |
| Building Area | 17,108 sqft Living Area |
| Gross Area | 28,845 sqft |
| Basement Area | 6,414 sqft |
| Unfinished Basement | 641 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Mansion |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 34,107 sqft (0.783 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 12 GIRARD RD |
|---|---|
| City | WINCHESTER |
| State | MA |
| Zip | 01890-3339 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RDA |
| Legal Block | 123 |
| Jurisdiction | WINCHESTER MA |
| Township / Civil Division | WINCHESTER |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 338400 |
Source: Middlesex County and Winchester Town records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 12 GIRARD RD, WINCHESTER, MA 01890-3339 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 8, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKLAND TRUST CO |
| Jul 8, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKLAND TRUST CO |
| Jun 20, 2019 | Deed of Trust, Mortgage · Line of Credit ROCKLAND TR |
| Feb 22, 2019 | Deed of Trust, Mortgage ROCKLAND TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 17, 2003 · Amount on Record |
| Deed Sale | Sep 17, 2003 · Amount on Record |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER MA |
| Property Address | 12 GIRARD RD, WINCHESTER, MA 01890-3339 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001886413 |
|---|---|
| Date | Jul 8, 2021 |
| Instrument | 1886413 |
| Name | ROCKLAND TRUST CO |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER MA |
| Property Address | 12 GIRARD RD, WINCHESTER, MA 01890-3339 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1886413 |
|---|---|
| Date | Jul 8, 2021 |
| Instrument | 1886413 |
| Name | ROCKLAND TRUST CO |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER MA |
| Property Address | 12 GIRARD RD, WINCHESTER, MA 01890-3339 |
| Document Number | 0000017083 |
| Instrument Date | Jun 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 12 GRANT RD WINCHESTER MA 018901017, WINCHESTER, MA 01890-1017 |
| Document Number | 0000017083 |
|---|---|
| Date | Jul 2, 2019 |
| Instrument | 17083 |
| Name | ROCKLAND TR |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER MA |
| Property Address | 12 GIRARD RD, WINCHESTER, MA 01890-3339 |
| Document Number | 0000008043 |
| Instrument Date | Feb 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2019 |
| Name | Verified Name |
|---|---|
| Address | 12 GIRARD RD WINCHESTER MA 018903339, WINCHESTER, MA 01890-3339 |
| Document Number | 0000008043 |
|---|---|
| Date | Feb 27, 2019 |
| Instrument | 8043 |
| Name | ROCKLAND TR |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Feb 26, 2049 |
| Rate Type | Adjustable Rate |
|---|
Source: Middlesex County and Winchester Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Winchester Town |
| Unified School District | Winchester School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $60,654.00 (+10,145.61%) | $5,474,200 (+2.47%) Land $1,168,900 Building $4,305,300 | $4,224,026 (-10.08%) |
| 2025 | $592.00 (-99.01%) | $5,342,100 (+1.63%) Land $1,128,900 Building $4,213,200 | $4,697,655 |
| 2024 | $59,556.00 (-0.11%) | $5,256,500 (+4.03%) Land $1,048,900 Building $4,207,600 | |
| 2023 | $59,623.00 | $5,052,800 Land $888,900 Building $4,163,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 5 (1978–2010) |
| Claims Outside the SFHA | 3 of 5 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 262 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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