12 Girdlestone Rd, Winthrop, MA 02152 Property Records

Suffolk County and Winthrop Town City property record for 12 Girdlestone Rd, Winthrop, MA 02152

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,302 sqft · built 1900
Lot Size	0.125 acres (5,436 sqft)
Owner	2 Individual Names on File
Last Sale	$601,500 (Mar 2018)
Tax Bill	$8,965 (2026)
Deeds & Mortgages	Dec 2021 Refinance Mar 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINT M:053 L:086`

Property Details

APN / Parcel Number

Primary APN	`WINT M:053 L:086`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,302 sqft Living Area
Gross Area	4,091 sqft
Basement Area	1,413 sqft
Unfinished Basement	1,413 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,436 sqft (0.125 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	12 GIRDLESTONE RD
City	WINTHROP
State	MA
Zip	02152-2730
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Subdivision	WINTHROP
Legal Lot Number	86
Jurisdiction	WINTHROP MA
Township / Civil Division	WINTHROP TOWN
Census Block Group	4
Census Block	4005
Census Tract	180200

Owner

12 Girdlestone Rd, a duplex, is owned and occupied by two individuals who bought it in March 2018.

Source: Suffolk County and Winthrop Town City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12 GIRDLESTONE RD, WINTHROP, MA 02152-2730
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 10, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CALIBER HOME LOANS INC
Mar 16, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Mar 30, 2018	Quit Claim Deed, Transfer · VA Mortgage MORTGAGE NTWK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2018 · Amount on File
Deed Sale	Mar 30, 2018 · Amount on File
Prior Sale	Nov 29, 2006 · Amount on File
Deed Book / Page	59380 / 162
Transfer Doc	059380-162
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	12 GIRDLESTONE RD, WINTHROP, MA 02152-2730
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066823-137
Date	Dec 10, 2021
Book Page	66823/137
Instrument	133122

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2053

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	12 GIRDLESTONE RD, WINTHROP, MA 02152-2730
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62684-253
Date	Mar 16, 2020
Book Page	62684/253
Instrument	21714

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINTHROP MA
Recording Date	Mar 30, 2018
Property Address	12 GIRDLESTONE RD, WINTHROP, MA 02152-2730
Document Number	59380-162
Book / Page	059380 / 000162
Instrument Date	Mar 26, 2018
Instrument	26475
Transaction Type	Transfer
Record Updated	Apr 17, 2018

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,742.84
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	115 SARATOGA ST EAST BOSTON MA 021281614, EAST BOSTON, MA 02128-1614

Mortgage

Document Number	59380-164
Date	Mar 30, 2018
Book Page	059380/000164
Instrument	26476

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 29, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 12 Girdlestone Rd was $8,965, up 13.2% from the year before.

Source: Suffolk County and Winthrop Town City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Suffolk County
Municipality	Winthrop Town City
Unified School District	Winthrop School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,965.00 (+13.21%)	$804,800 (+4.89%) Land $356,400 Building $448,400	$817,226
2025	$7,919.00 (+6.24%)	$767,300 (+7.25%) Land $339,400 Building $427,900
2024	$7,454.00 (-3.73%)	$715,400 (-1.13%) Land $326,200 Building $389,200
2023	$7,743.00	$723,600 Land $298,500 Building $425,100

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

Flood

FEMA maps place 12 Girdlestone Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 individual policies
Nearby Flood Policies	58 units insured incl. 48 condo units
Nearby Flood Claims	20 (1978–2018)
Claims Outside the SFHA	6 of 20
Most Recent Claim	Jan 2018 · tidal / storm surge

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

The area around 12 Girdlestone Rd has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 242 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	1,000 / 75
AT&T Fixed Wireless	100 / 20

May also be available: Netafy.

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