Norfolk County and Needham Town property record for 120 Charles River St, Needham, MA 02492
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,412 sqft · built 1909 |
| Lot Size | 0.346 acres (15,072 sqft) |
| Owner | Company Name on File |
| Last Sale | $775,000 (Jul 2026) |
| Tax Bill | $8,817 (2025) |
| Deeds & Mortgages | Jul 2026 Sale Apr 2023 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:2100002200000 |
| Primary APN | M:2100002200000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,412 sqft Living Area |
| Gross Area | 2,294 sqft |
| 1st Floor Area | 1,412 sqft |
| Basement Area | 1,232 sqft |
| Unfinished Basement | 1,232 sqft |
| Year Built | Built 1909 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,072 sqft (0.346 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 120 CHARLES RIVER ST |
|---|---|
| City | NEEDHAM |
| State | MA |
| Zip | 02492-1472 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRA |
| Legal Subdivision | WALLACE CROOKS |
| Legal Block | 22 |
| Jurisdiction | NEEDHAM MA |
| Township / Civil Division | NEEDHAM |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 403300 |
120 Charles River St is owned by a company that bought it in July 2026.
Source: Norfolk County and Needham Town records, as of July 29, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 19 HERITAGE LN, SAUGUS, MA 01906-3188 |
| Owner Type | Company |
| Vesting | Company |
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 |
|---|---|
| Jul 8, 2026 | Quit Claim Deed, Transfer |
| Apr 5, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance DIRECT CU |
| Apr 26, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Aug 8, 2022 | Deed of Trust, Mortgage · Line of Credit DIGITAL FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 8, 2026 · Amount on File |
| Deed Sale | Jul 8, 2026 · Amount on File |
| Deed Document Number | 202647388 |
| Deed Book / Page | 43223 / 447 |
| Prior Transfer Date | Mar 27, 2023 |
| Prior Transfer Doc | 041159-463 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Recording Date | Jul 8, 2026 |
| Property Address | 120 CHARLES RIVER ST, NEEDHAM, MA 02492-1472 |
| Document Number | 0000047388 |
| Book / Page | 43223 / 447 |
| Instrument Date | Jun 25, 2026 |
| Instrument | 202647388 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 19 HERITAGE LN, SAUGUS, MA 01906-3188 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 120 CHARLES RIVER ST, NEEDHAM, MA 02492-1472 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 041129-193 |
|---|---|
| Date | Apr 5, 2023 |
| Book Page | 41129/193 |
| Instrument | 19442 |
| Name | DIRECT CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | May 1, 2043 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Recording Date | Apr 26, 2023 |
| Property Address | 120 CHARLES RIVER ST, NEEDHAM, MA 02492-1472 |
| Document Number | 041159-463 |
| Book / Page | 41159 / 463 |
| Instrument Date | Mar 27, 2023 |
| Instrument | 23896 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 120 CHARLES RIVER ST, NEEDHAM, MA 02492-1472 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 120 CHARLES RIVER ST, NEEDHAM, MA 02492-1472 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0040737-72 |
|---|---|
| Date | Aug 8, 2022 |
| Book Page | 40737/72 |
| Instrument | 70396 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Sep 1, 2042 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 120 Charles River St was $8,817.
Source: Norfolk County and Needham Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Norfolk County |
| County Subdivision | Needham Town |
| Unified School District | Needham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,817.00 | $831,800 Land $561,000 Building $270,800 | $2,210,365 (+14.31%) |
| 2024 | $1,933,725 | ||
| 2023 | $9,677.00 | $742,100 Land $476,000 Building $266,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 120 Charles River St 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 May 26, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 18 policies |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 19 (1978–2023) |
| Claims Outside the SFHA | 19 of 19 |
| Most Recent Claim | Aug 2023 · rainfall accumulation |
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 120 Charles River St is low, with 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 140 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 / 2,000 |
| Astound Broadband Cable | 1,500 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures