12 Prospect St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 12 Prospect St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	7 bd · 4 ba · 6,694 sqft · built 1880
Lot Size	0.638 acres (27,796 sqft)
Owner	Individual Name on Record
Last Sale	$3,199,000 (May 2025)
Tax Bill	$31,832 (2026)
Deeds & Mortgages	Apr 2022 Mortgage May 2025 Sale & Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:005 B:0234 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:005 B:0234 L:0`

Interior

Bedrooms	7 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	14 Rooms
Stories	3 Stories
Building Area	6,694 sqft Living Area
Gross Area	8,669 sqft
Basement Area	2,035 sqft
Unfinished Basement	407 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 2018
Architectural Style	Victorian
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,796 sqft (0.638 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	12 PROSPECT ST
City	WINCHESTER
State	MA
Zip	01890-3030
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDB
Legal Block	234
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	3
Census Block	3011
Census Tract	338500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Trowbridge-Badger House listed 1989 · 3 contributing resources · NRIS 89000647

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Middlesex County and Winchester Town records, as of October 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	Individual Name on Record
Mailing Address	12 PROSPECT ST, WINCHESTER, MA 01890-3030
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2022	Deed of Trust, Mortgage · ARM QUICKEN LOANS INC
May 8, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CITIBANK NA
May 3, 2017	Deed of Trust, Mortgage · Line of Credit WINCHESTER COOPERATIVE BANK
Apr 29, 2019	Deed of Trust, Mortgage · Balloon Mortgage WINCHESTER COOPERATIVE BANK
Jan 15, 2019	Deed of Trust, Mortgage · Balloon Mortgage WINCHESTER COOPERATIVE BANK
Dec 6, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage WINCHESTER COOPERATIVE BANK
Jul 2, 2018	Deed of Trust, Mortgage · Line of Credit WINCHESTER BK
Jan 6, 2017	Quit Claim Deed, Transfer WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2025 · Amount on Record
Deed Sale	May 8, 2025 · Amount on Record
Prior Sale	Dec 6, 2019 · Amount on Record
Deed Book / Page	84065 / 262
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	12 PROSPECT ST, WINCHESTER, MA 01890-3030
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079940-560
Date	Apr 6, 2022
Book Page	79940/560
Instrument	52065

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	ARM
Amount	Amount Recorded
Term	337 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.63%
Type Change Date	Dec 1, 2027
Index	LIBOR

May 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	May 8, 2025
Property Address	12 PROSPECT ST, WINCHESTER, MA 01890-3030
Document Number	084065-262
Book / Page	84065 / 262
Instrument Date	May 8, 2025
Instrument	49657
Transaction Type	Transfer
Record Updated	Nov 19, 2025

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	12 PROSPECT ST, WINCHESTER, MA 01890-3030

Mortgage

Document Number	0000049658
Date	May 8, 2025
Instrument	49658

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Type Change Date	Jun 1, 2032
Max Rate At Change	2.75%
Index	Other

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	12 PROSPECT ST, WINCHESTER, MA 01890-3030
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69229-49
Date	May 3, 2017
Book Page	69229/49
Instrument	65074

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	12 PROSPECT ST, WINCHESTER, MA 01890-3030
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72516-30
Date	Apr 29, 2019
Book Page	72516/30
Instrument	53168

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2039

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	12 PROSPECT ST, WINCHESTER, MA 01890-3030
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72129-78
Date	Jan 15, 2019
Book Page	72129/78
Instrument	6173

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Dec 6, 2019
Property Address	12 PROSPECT ST, WINCHESTER, MA 01890-3030
Document Number	73780-279
Book / Page	73780 / 279
Instrument Date	Dec 3, 2019
Instrument	192915
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Address	12 PROSPECT ST, WINCHESTER, MA 01890-3030

Mortgage

Document Number	192916
Date	Dec 6, 2019
Instrument	192916

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Type Change Date	Dec 6, 2024

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	12 PROSPECT ST, WINCHESTER, MA 01890-3030
Document Number	71254-566
Instrument Date	Jul 2, 2018
Transaction Type	Mortgage
Record Updated	Jul 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 PROSPECT ST WINCHESTER MA 018903030, WINCHESTER, MA 01890-3030

Mortgage

Document Number	71254-566
Date	Jul 2, 2018
Book Page	071254/000566
Instrument	97258

Lender

Name	WINCHESTER BK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Jan 6, 2017
Property Address	12 PROSPECT ST, WINCHESTER, MA 01890-3030
Document Number	68725-169
Book / Page	68725 / 169
Instrument	3568
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$214.66
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	687250171
Date	Jan 6, 2017
Instrument	68725/0171

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 6, 2047

Tax Assessment & Valuation

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	$31,832.00 (+2.88%)	$2,872,900 (+2.97%) Land $1,404,900 Building $1,468,000	$3,271,033 (+14.29%)
2025	$30,941.00 (-0.53%)	$2,790,000 (+1.62%) Land $1,364,900 Building $1,425,100	$2,862,065
2024	$31,105.00 (+0.74%)	$2,745,400 (+4.92%) Land $1,324,900 Building $1,420,500
2023	$30,876.00	$2,616,600 Land $1,244,900 Building $1,371,700

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 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	7 in force
Nearby Flood Claims	4 (2001–2010)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 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

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
Adjoins Burnable Land	Yes

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 404 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: AT&T, T-Mobile.

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