120 Winch St, Framingham, MA 01701 Property Records

Middlesex County and Framingham City property record for 120 Winch St, Framingham, MA 01701

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,209 sqft · built 1986
Lot Size	1.17 acres (50,965 sqft)
Owner	2 Individual Names on File
Last Sale	$769,000 (Sep 2019)
Tax Bill	$14,611 (2026)
Deeds & Mortgages	Oct 2021 Refinance Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`45-63-8557`

Property Details

APN / Parcel Number

Primary APN	`45-63-8557`
Alternative APNs	`FRAM M:045 B:63 L:8557 U:000` `M:431.0 B:0001 L:0004.A` `F_666851_2943579` `11344`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,209 sqft Living Area
Gross Area	6,614 sqft
1st Floor Area	1,680 sqft
Basement Area	1,470 sqft
Unfinished Basement	1,470 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1998
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	50,965 sqft (1.17 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	11344
Street Address	120 WINCH ST
City	FRAMINGHAM
State	MA
Zip	01701-3738
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Block	63
Legal Lot Number	8557
Jurisdiction	FRAMINGHAM MA
Township / Civil Division	FRAMINGHAM
Census Block Group	1
Census Block	1002
Census Tract	383902

Owner

120 Winch St is owned and occupied by two individuals who bought it in September 2019.

Source: Middlesex County and Framingham City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	120 WINCH ST, FRAMINGHAM, MA 01701-3738
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE MORTGAGE
Sep 20, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HARBORONE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2019 · Amount on File
Deed Sale	Sep 20, 2019 · Amount on File
Deed Document Number	2019201900143523
Deed Book / Page	73315 / 292
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Property Address	120 WINCH ST, FRAMINGHAM, MA 01701-3738
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078909-522
Date	Oct 14, 2021
Book Page	78909/522
Instrument	225940

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2046

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRAMINGHAM MA
Recording Date	Sep 20, 2019
Property Address	120 WINCH ST, FRAMINGHAM, MA 01701-3738
Document Number	73315-292
Book / Page	73315 / 292
Instrument Date	Sep 20, 2019
Instrument	143523
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
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	120 WINCH ST, FRAMINGHAM, MA 01701-3738

Mortgage

Document Number	143524
Date	Sep 20, 2019
Instrument	143524

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 120 Winch St was $14,611, up 2.6% from the year before.

Source: Middlesex County and Framingham City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Framingham City
Unified School District	Framingham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$14,611.00 (+2.61%)	$1,235,100 (+3.56%) Land $364,900 Building $804,900	$1,055,288 (+0.98%)
2025	$14,240.00 (+0.04%)	$1,192,600 (+4.39%) Land $347,400 Building $845,200	$1,045,095 (-5.9%)
2024	$14,234.00 (+4.03%)	$1,142,400 (+9.29%) Land $309,000 Building $833,400	$1,110,645
2023	$13,683.00	$1,045,300 Land $285,100 Building $760,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 120 Winch St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

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
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Mar 1978 · 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

Wildfire risk around 120 Winch St is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

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	FRAMINGHAM WATER DEPT. (MWRA) serves 72,362 people · EPA ID MA3100000
Water Source	Purchased surface water from MWRA
Last State Inspection	Apr 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 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
Astound Broadband Cable	1,500 / 50

Cell Coverage

5G and 4G LTE (outdoors only)

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