128 Forest St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 128 Forest St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,190 sqft · built 1901
Lot Size	0.282 acres (12,266 sqft)
Owner	2 Individual Names on File
Last Sale	$720,000 (Jul 2025)
Tax Bill	$7,699 (2026)
Deeds & Mortgages	Aug 2024 Line of Credit Jul 2025 Sale & Refinance
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0E3 P:0000074`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0E3 P:0000074`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,190 sqft Living Area
Gross Area	2,574 sqft
Basement Area	598 sqft
Unfinished Basement	598 sqft

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1901
Architectural Style	Other
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,266 sqft (0.282 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	128 FOREST ST
City	MELROSE
State	MA
Zip	02176-5631
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	4
Census Block	4013
Census Tract	336300

Owner

128 Forest St is owned and occupied by two individuals who bought it in July 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	128 FOREST ST, MELROSE, MA 02176-5631
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Aug 13, 2024	Deed of Trust, Mortgage · Line of Credit CAMBRIDGE SAVINGS BANK
Jul 11, 2025	Quit Claim Deed, Transfer · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2025 · Amount on File
Deed Sale	Jul 11, 2025 · Amount on File
Prior Sale	Jul 27, 2009 · Amount on File
Deed Book / Page	84349 / 121
Record Updated	Oct 29, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	128 FOREST ST, MELROSE, MA 02176-5631
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	083119-548
Date	Aug 13, 2024
Book Page	83119/548
Instrument	90376

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2054

Interest

Rate Type	Adjustable Rate

July 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Jul 11, 2025
Property Address	128 FOREST ST, MELROSE, MA 02176-5631
Document Number	084349-121
Book / Page	84349 / 121
Instrument Date	Jul 11, 2025
Instrument	81062
Transaction Type	Transfer
Record Updated	Nov 19, 2025

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
Relationship	Tenants by the Entirety
Address	128 FOREST ST, MELROSE, MA 02176-5631

Mortgage

Document Number	0000081063
Date	Jul 11, 2025
Instrument	81063

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

Tax Assessment & Valuation

The 2026 property tax bill for 128 Forest St was $7,699, up 17% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,699.00 (+17.01%)	$671,200 (+0.99%) Land $452,300 Building $218,900	$709,622 (+15.27%)
2025	$6,580.00 (+5.01%)	$664,600 (+5.32%) Land $452,300 Building $212,300	$615,600
2024	$6,266.00 (+2.32%)	$631,000 (+7.37%) Land $423,100 Building $207,900
2023	$6,124.00	$587,700 Land $393,900 Building $193,800

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

Flood

FEMA maps place 128 Forest St in Zone X, an area of minimal flood risk.

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	2 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

The area around 128 Forest St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	MELROSE WATER DIVISION (MWRA) serves 29,938 people · EPA ID MA3178000
Water Source	Purchased surface water from MWRA
Last State Inspection	Oct 2025
Lead	10 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement currently in violation since Nov 2021
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 689 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Netafy.

Cell Coverage

5G (outdoors only) and 4G LTE

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