Norfolk County and Needham Town property record for 120 Locust Ln, Needham, MA 02492 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,088 sqft · built 1968 |
| Lot Size | 1.28 acres (55,757 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,275,000 (Sep 2018) |
| Tax Bill | $18,563 (2025) |
| Deeds & Mortgages | Apr 2022 Refinance Aug 2019 Refinance + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:2230005000000 |
| Primary APN | M:2230005000000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,088 sqft Living Area |
| Gross Area | 2,268 sqft |
| 1st Floor Area | 2,088 sqft |
| Basement Area | 1,890 sqft |
| Unfinished Basement | 860 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Split Level |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 55,757 sqft (1.28 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 120 LOCUST LN |
|---|---|
| City | NEEDHAM |
| State | MA |
| Zip | 02492-1014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 50 |
| Jurisdiction | NEEDHAM MA |
| Township / Civil Division | NEEDHAM |
| Census Block Group | 5 |
| Census Block | 5002 |
| Census Tract | 403400 |
Source: Norfolk County and Needham Town records · APN M:2230005000000
Assessment roll updated April 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 120 LOCUST LN, NEEDHAM, MA 02492-1014 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 26, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA |
| Aug 21, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance SANTANDER BANK NA |
| May 18, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance SANTANDER BANK NA |
| Dec 15, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Sep 04, 2018 | Quit Claim Deed, Transfer SANTANDER BANK NA |
| Nov 09, 2017 | Quit Claim Deed, Transfer · ARM NEEDHAM COOPERATIVE BANK |
| Nov 09, 2017 | Grant Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 04, 2018 · Amount on Record |
| Deed Sale | Sep 04, 2018 · Amount on Record |
| Prior Sale | Nov 09, 2017 · Amount on Record |
| Deed Book / Page | 36271 / 90 |
| Transfer Doc | 33429-419 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 120 LOCUST LN, NEEDHAM, MA 02492-1014 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 040488-484 |
|---|---|
| Date | Apr 26, 2022 |
| Book Page | 40488/484 |
| Instrument | 36061 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 120 LOCUST LN, NEEDHAM, MA 02492-1014 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 37077-492 |
|---|---|
| Date | Aug 21, 2019 |
| Book Page | 37077/492 |
| Instrument | 73076 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 120 LOCUST LN, NEEDHAM, MA 02492-1014 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 37882-76 |
|---|---|
| Date | May 18, 2020 |
| Book Page | 37882/76 |
| Instrument | 44992 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 120 LOCUST LN, NEEDHAM, MA 02492-1014 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38743-284 |
|---|---|
| Date | Dec 15, 2020 |
| Book Page | 38743/284 |
| Instrument | 142000 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jan 01, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Recording Date | Sep 04, 2018 |
| Property Address | 120 LOCUST LN, NEEDHAM, MA 02492-1014 |
| Document Number | 36271-90 |
| Book / Page | 36271 / 90 |
| Instrument | 78842 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $114.63 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 362710092 |
|---|---|
| Date | Sep 04, 2018 |
| Instrument | 36271/0092 |
| Name | SANTANDER BANK NA |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 04, 2048 |
| Rate | 4.38% |
|---|---|
| Max Rate At Change | 0.12% |
| Max Rate | 2.25% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Recording Date | Nov 09, 2017 |
| Property Address | 120 LOCUST LN, NEEDHAM, MA 02492-1014 |
| Document Number | 35585-577 |
| Book / Page | 35585 / 577 |
| Instrument | 107294 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $108.52 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 120 LOCUST LN, NEEDHAM, MA 02492-1014 |
| Document Number | 355850579 |
|---|---|
| Date | Nov 09, 2017 |
| Instrument | 35585/0579 |
| Name | NEEDHAM COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 09, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.88% |
| Max Rate At Change | 20.1% |
| Max Rate | 2.75% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Recording Date | Nov 09, 2017 |
| Property Address | 120 LOCUST LN, NEEDHAM, MA 02492-1014 |
| Document Number | 35585-575 |
| Book / Page | 035585 / 000575 |
| Instrument Date | Nov 06, 2017 |
| Instrument | 7293 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 16 NOTTINGHAM RD WESTBOROUGH MA 015812408, WESTBOROUGH, MA 01581-2408 |
Source: Norfolk County and Needham Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Norfolk County |
| County Subdivision | Needham Town |
| Unified School District | Needham School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $18,563.00 (+0.53%) | $1,751,200 (+23.67%) Land $935,100 Building $816,100 | $1,999,750 (+11.31%) |
| 2024 | $1,796,545 | ||
| 2023 | $18,465.00 | $1,416,000 Land $746,200 Building $669,800 |
Source: FEMA National Flood Hazard Layer, Norfolk County (25021C), updated May 26, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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