122 Cambridge St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 122 Cambridge St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,952 sqft · built 1865
Lot Size	0.317 acres (13,822 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,626,000 (Nov 2020)
Tax Bill	$19,269 (2026)
Deeds & Mortgages	Nov 2020 Mortgage Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:021 B:0003 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:021 B:0003 L:0`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,952 sqft Living Area
Gross Area	4,990 sqft
1st Floor Area	792 sqft
Basement Area	1,241 sqft
Unfinished Basement	1,241 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1865
Effective Year Built	Effective 1865
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	13,822 sqft (0.317 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	122 CAMBRIDGE ST
City	WINCHESTER
State	MA
Zip	01890-3516
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDB
Legal Block	3
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	1
Census Block	1022
Census Tract	338400

Owner

Source: Middlesex County and Winchester Town records, as of October 20, 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 Record
Mailing Address	122 CAMBRIDGE ST, WINCHESTER, MA 01890-3516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2020	Deed of Trust, Mortgage · ARM WINCHESTER COOPERATIVE BANK
Nov 23, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BOSTON PRIVATE BANK & TRUST COMPANY
Mar 23, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2020 · Amount on Record
Deed Sale	Nov 23, 2020 · Amount on Record
Prior Sale	May 29, 2013 · Amount on Record
Deed Book / Page	76242 / 14
Prior Transfer Date	Oct 31, 2020
Prior Transfer Doc	76242-14
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	122 CAMBRIDGE ST, WINCHESTER, MA 01890-3516
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76205-301
Date	Nov 18, 2020
Book Page	76205/301
Instrument	217088

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Nov 18, 2023
Index	5-Year CMT

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Nov 23, 2020
Property Address	122 CAMBRIDGE ST, WINCHESTER, MA 01890-3516
Document Number	76242-14
Book / Page	76242 / 14
Instrument Date	Oct 31, 2020
Instrument	220894
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	5 CAMBRIDGE ST, WINCHESTER, MA 01890-3703

Mortgage

Document Number	220895
Date	Nov 23, 2020
Instrument	220895

Lender

Name	BOSTON PRIVATE BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Dec 1, 2027
Max Rate At Change	2.25%
Index	LIBOR

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	122 CAMBRIDGE ST, WINCHESTER, MA 01890-3516
Document Number	72464-549
Instrument Date	Mar 23, 2019
Transaction Type	Mortgage
Record Updated	May 7, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 CAMBRIDGE ST WINCHESTER MA 018903516, WINCHESTER, MA 01890-3516

Mortgage

Document Number	72464-549
Date	Apr 17, 2019
Book Page	072464/000549
Instrument	47144

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Middlesex County and Winchester Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Winchester Town
Unified School District	Winchester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$19,269.00 (+10,149.47%)	$1,739,100 (+2.26%) Land $784,800 Building $954,300	$1,953,003 (-2.73%)
2025	$188.00 (-98.94%)	$1,700,600 (+8.56%) Land $784,800 Building $915,800	$2,007,730
2024	$17,748.00 (+3.4%)	$1,566,500 (+7.69%) Land $713,500 Building $853,000
2023	$17,165.00	$1,454,700 Land $642,100 Building $812,600

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

Flood

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (1996–2010)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 96% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WINCHESTER WATER DEPT serves 22,970 people · EPA ID MA3344000
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 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 349 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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