128 River Rd, Winthrop, MA 02152 Property Records

Suffolk County and Winthrop Town City property record for 128 River Rd, Winthrop, MA 02152

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,296 sqft · built 1890
Lot Size	0.089 acres (3,890 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Feb 1994)
Tax Bill	$6,554 (2026)
Deeds & Mortgages	Jan 2025 Reverse Mortgage Jan 2025 Reverse Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`WINT M:038 L:019`

Property Details

APN / Parcel Number

Primary APN	`WINT M:038 L:019`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,296 sqft Living Area
Gross Area	2,721 sqft
Basement Area	642 sqft
Unfinished Basement	642 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,890 sqft (0.089 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	128 RIVER RD
City	WINTHROP
State	MA
Zip	02152-1718
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	ALBEMARLE PLACE
Legal Lot Number	19
Jurisdiction	WINTHROP MA
Township / Civil Division	WINTHROP TOWN
Census Block Group	1
Census Block	1000
Census Tract	180400

Owner

Source: Suffolk County and Winthrop Town City 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	Individual Name on Record
Mailing Address	128 RIVER RD, WINTHROP, MA 02152-1718
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2025	Deed of Trust, Mortgage · Reverse Mortgage PHH US MORTGAGE CORP
Jan 15, 2025	Deed of Trust, Mortgage · Reverse Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jun 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 16, 1994 · Amount on Record
Deed Sale	Feb 16, 1994 · Amount on Record
Deed Book / Page	18872 / 219
Record Updated	Oct 29, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	128 RIVER RD, WINTHROP, MA 02152-1718
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071000-151
Date	Jan 15, 2025
Book Page	71000/151
Instrument	2367

Lender

Name	PHH US MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	1033 Months
Due	Feb 1, 2111

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Mar 1, 2025

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	128 RIVER RD, WINTHROP, MA 02152-1718
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071000-166
Date	Jan 15, 2025
Book Page	71000/166
Instrument	2368

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	1033 Months
Due	Feb 1, 2111

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Mar 1, 2025

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	128 RIVER RD, WINTHROP, MA 02152-1718
Document Number	61249-82
Instrument Date	Jun 6, 2019
Transaction Type	Mortgage
Record Updated	Jul 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 RIVER RD WINTHROP MA 021521718, WINTHROP, MA 02152-1718

Mortgage

Document Number	61249-82
Date	Jun 11, 2019
Book Page	061249/000082
Instrument	45667

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Suffolk County and Winthrop Town City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Suffolk County
Municipality	Winthrop Town City
Unified School District	Winthrop School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,554.00 (+14.36%)	$588,300 (+5.94%) Land $343,300 Building $245,000	$601,574 (+19.41%)
2025	$5,731.00 (-1.04%)	$555,300 (-0.09%) Land $327,000 Building $228,300
2024	$5,791.00 (+5.95%)	$555,800 (+8.81%) Land $314,300 Building $241,500	$503,785
2023	$5,466.00	$510,800 Land $287,700 Building $223,100

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 January 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 54 individual policies
Nearby Flood Policies	70 units insured incl. 16 condo units
Nearby Flood Claims	117 (1978–2024)
Claims Outside the SFHA	5 of 117
Most Recent Claim	Apr 2024 · other causes
Claims by Event	Extreme Weather Conditons And Flooding, Oct 1996 · 12 claims Winter Coastal Storm, Dec 1992 · 12 claims Coastal Storm, Oct 1991 · 20 claims

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	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	WINTHROP WATER DIVISION, (MWRA) serves 19,316 people · EPA ID MA3346000
Water Source	Purchased surface water from MWRA
Last State Inspection	Dec 2023
Lead	8 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	1 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 694 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Netafy.

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