Norfolk County and Needham Town property record for 120 Garden St, Needham, MA 02492
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 988 sqft · built 1930 |
| Lot Size | 0.277 acres (12,066 sqft) |
| Owner | Individual Name on File |
| Last Sale | $717,000 (Aug 2015) |
| Tax Bill | $10,745 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:0520001600000 |
| Primary APN | M:0520001600000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 988 sqft Living Area |
| Gross Area | 1,660 sqft |
| 1st Floor Area | 988 sqft |
| Basement Area | 852 sqft |
| Unfinished Basement | 852 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,066 sqft (0.277 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 120 GARDEN ST |
|---|---|
| City | NEEDHAM |
| State | MA |
| Zip | 02492-2043 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRB |
| Legal Subdivision | HARVARD ST |
| Legal Block | 16 |
| Jurisdiction | NEEDHAM MA |
| Township / Civil Division | NEEDHAM |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 457200 |
120 Garden St is owned and occupied by an individual who bought it in August 2015.
Source: Norfolk County and Needham Town records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 120 GARDEN ST, NEEDHAM, MA 02492-2043 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 21, 2015 · Amount on File |
| Deed Sale | Aug 21, 2015 · Amount on File |
| Prior Sale | May 6, 2004 · Amount on File |
| Deed Book / Page | 33419 / 247 |
| Transfer Doc | 033419-247 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 120 GARDEN ST, NEEDHAM, MA 02492-2043 |
| Document Number | 38151-436 |
| Instrument Date | Jul 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 120 GARDEN ST NEEDHAM MA 024922043, NEEDHAM, MA 02492-2043 |
| Document Number | 38151-436 |
|---|---|
| Date | Jul 29, 2020 |
| Book Page | 038151/000436 |
| Instrument | 75095 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 28, 2050 |
The 2025 property tax bill for 120 Garden St was $10,745.
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 | $10,745.00 | $1,013,700 Land $681,500 Building $332,200 | $1,215,430 (+4.82%) |
| 2024 | $1,159,570 | ||
| 2023 | $10,231.00 | $784,600 Land $507,800 Building $276,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 120 Garden St in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 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 120 Garden 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 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 | 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 323 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 2,000 |
| Astound Broadband Cable · Fiber in parts of the area | 1,500 / 50 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile.
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