Middlesex County and Melrose City property record for 12 Windsor St, Melrose, MA 02176
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,173 sqft · built 2001 |
| Lot Size | 0.23 acres (10,028 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $950,000 (Jul 2021) |
| Tax Bill | $11,890 (2026) |
| Deeds & Mortgages | Aug 2020 Mortgage Jul 2021 Sale & Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | MELR M:F12 P:000068E |
| Primary APN | MELR M:F12 P:000068E |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 3,173 sqft Living Area |
| Gross Area | 3,966 sqft |
| Basement Area | 1,456 sqft |
| Unfinished Basement | 291 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Split Foyer |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,028 sqft (0.23 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 12 WINDSOR ST |
|---|---|
| City | MELROSE |
| State | MA |
| Zip | 02176-2034 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRB |
| Legal Subdivision | MELROSE |
| Jurisdiction | MELROSE MA |
| Township / Civil Division | MELROSE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 336201 |
12 Windsor St is owned and occupied by two individuals who bought it in July 2021.
Source: Middlesex County and Melrose City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12 WINDSOR ST, MELROSE, MA 02176-2034 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 20, 2020 | Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK OF RHODE ISLAND |
| Jul 16, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 16, 2021 · Amount on File |
| Deed Sale | Jul 16, 2021 · Amount on File |
| Prior Sale | Aug 11, 2011 |
| Deed Document Number | 2021160746 |
| Deed Book / Page | 78260 / 345 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MELROSE MA |
| Property Address | 12 WINDSOR ST, MELROSE, MA 02176-2034 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 075411-102 |
|---|---|
| Date | Aug 20, 2020 |
| Book Page | 75411/102 |
| Instrument | 142381 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Sep 1, 2045 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MELROSE MA |
| Recording Date | Jul 16, 2021 |
| Property Address | 12 WINDSOR ST, MELROSE, MA 02176-2034 |
| Document Number | 078260-345 |
| Book / Page | 78260 / 345 |
| Instrument Date | Jul 16, 2021 |
| Instrument | 160746 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 12 WINDSOR ST, MELROSE, MA 02176-2034 |
| Document Number | 0000160747 |
|---|---|
| Date | Jul 16, 2021 |
| Instrument | 160747 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 12 Windsor St was $11,890, up 12,415.8% from the year before.
Source: Middlesex County and Melrose City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Melrose City |
| Unified School District | Melrose School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $11,890.00 (+12,415.79%) | $1,036,600 (+7.45%) Land $474,700 Building $561,900 | $1,220,854 (+7.93%) |
| 2025 | $95.00 (-98.98%) | $964,700 (+3%) Land $449,000 Building $515,700 | $1,131,165 |
| 2024 | $9,300.00 (+0.22%) | $936,600 (+5.17%) Land $436,200 Building $500,400 | |
| 2023 | $9,280.00 | $890,600 Land $423,300 Building $467,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Windsor St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 2 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 risk around 12 Windsor St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 90% 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 | MELROSE WATER DIVISION (MWRA) serves 29,938 people · EPA ID MA3178000 |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Oct 2025 |
| Lead | 10 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line replacement currently in violation since Nov 2021 |
| 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.
Source: FCC Broadband Data Collection, based on 268 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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