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125 Charles River St, Needham, MA 02492 Property Records

Norfolk County and Needham Town property record for 125 Charles River St, Needham, MA 02492

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 1,360 sqft · built 2014
Lot Size0.157 acres (6,839 sqft)
Owner2 Individual Names on Record
Last Sale$1,412,500 (Nov 2023)
Tax Bill$14,959 (2025)
Deeds & MortgagesMay 2022 Line of Credit
Nov 2023 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APNM:2130006400000

Property Details

APN / Parcel Number

Primary APNM:2130006400000
Alternative APN
  • NEED M:213.0 B:0064 L:0000.0

Interior

Bedrooms4 Beds
Full Baths4 Baths
Total Rooms8 Rooms
Stories3 Stories
Building Area1,360 sqft Living Area
Gross Area3,344 sqft
1st Floor Area1,360 sqft
Basement Area832 sqft
Unfinished Basement282 sqft
Game RoomGame Room

Exterior

Year BuiltBuilt 2014
Effective Year BuiltEffective 2014
Architectural StyleColonial
Exterior MaterialWood Siding
Roof TypeGable
Roof MaterialAsphalt
Lot Area6,839 sqft (0.157 acres)
Garage TypeDetached

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
Heating FuelOil

Location & Zoning

Street Address125 CHARLES RIVER ST
CityNEEDHAM
StateMA
Zip02492-1473
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSRA
Legal SubdivisionBENJAMIN MOSELEY
Legal Block64
JurisdictionNEEDHAM MA
Township / Civil DivisionNEEDHAM
Census Block Group3
Census Block3005
Census Tract403300

Owner

Source: Norfolk County and Needham Town records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address125 CHARLES RIVER ST, NEEDHAM, MA 02492-1473
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 19, 2022Deed of Trust, Mortgage · Line of Credit
CITIZENS BANK
Nov 27, 2023Quit Claim Deed, Transfer · Stand-Alone First Mortgage
JPMORGAN CHASE BANK NA
May 17, 2019Quit Claim Deed, Transfer · Stand-Alone First Mortgage
LEADER BANK NA
Feb 1, 2017Quit Claim Deed, Transfer
WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 27, 2023 · Amount on Record
Deed SaleNov 27, 2023 · Amount on Record
Prior SaleMay 17, 2019 · Amount on Record
Deed Book / Page41529 / 186
Prior Transfer DateMay 10, 2019
Prior Transfer Doc36805-95
Record UpdatedOct 29, 2026

May 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNEEDHAM MA
Property Address125 CHARLES RIVER ST, NEEDHAM, MA 02492-1473
Transaction TypeMortgage
Record UpdatedApr 3, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number040548-353
DateMay 19, 2022
Book Page40548/353
Instrument43886
Lender
NameCITIZENS BANK
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Term301 Months
DueJun 1, 2047
Interest
Rate TypeAdjustable Rate

November 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionNEEDHAM MA
Recording DateNov 27, 2023
Property Address125 CHARLES RIVER ST, NEEDHAM, MA 02492-1473
Document Number041529-186
Book / Page41529 / 186
Instrument DateNov 27, 2023
Instrument78136
Transaction TypeTransfer
Record UpdatedNov 20, 2025

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address125 CHARLES RIVER ST, NEEDHAM, MA 02492-1473

Mortgage

Document Number0000078137
DateNov 27, 2023
Instrument78137
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

May 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionNEEDHAM MA
Recording DateMay 17, 2019
Property Address125 CHARLES RIVER ST, NEEDHAM, MA 02492-1473
Document Number36805-95
Book / Page36805 / 95
Instrument DateMay 10, 2019
Instrument37750
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address125 CHARLES RIVER ST, NEEDHAM, MA 02492-1473

Mortgage

Document Number37751
DateMay 17, 2019
Instrument37751
Lender
NameLEADER BANK NA
TypeBank
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

February 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionNEEDHAM MA
Recording DateFeb 1, 2017
Property Address125 CHARLES RIVER ST, NEEDHAM, MA 02492-1473
Document Number34891-54
Book / Page34891 / 54
Instrument10440
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

Tax$130.52
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number34891-56
DateFeb 1, 2017
Book Page34891/56
Instrument10441
Lender
NameWELLS FARGO BANK NA
TypeBank
Agreement
AmountAmount Recorded
Term120 Months
DueFeb 1, 2027

Tax Assessment & Valuation

Source: Norfolk County and Needham Town assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyNorfolk County
County SubdivisionNeedham Town
Unified School DistrictNeedham School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$14,959.00 (-8.11%)$1,411,200 (+13.03%) Land $518,000 Building $893,200$1,558,760 (+18.88%)
2024$1,311,190
2023$16,280.00$1,248,500 Land $358,400 Building $890,100

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 May 26, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 18 policies
Nearby Flood Policies18 in force
Nearby Flood Claims19 (1978–2023)
Claims Outside the SFHA19 of 19
Most Recent ClaimAug 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

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

Wildfire RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 SystemNEEDHAM WATER DEPT
serves 31,664 people · EPA ID MA3199000
Water SourcePurchased surface water from MWRA
Last State InspectionJun 2024
Lead5 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 140 locations within half a mile, as of December 31, 2025

ProviderMax 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

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