13 Laurel St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 13 Laurel St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,132 sqft · built 1890
Lot Size	0.221 acres (9,605 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,017,000 (Jul 2020)
Tax Bill	$13,844 (2026)
Deeds & Mortgages	Feb 2019 Mortgage Jul 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0D7 P:0000127`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0D7 P:0000127`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	3,132 sqft Living Area
Gross Area	6,079 sqft
Basement Area	1,133 sqft
Unfinished Basement	793 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Victorian
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,605 sqft (0.221 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	13 LAUREL ST
City	MELROSE
State	MA
Zip	02176-4023
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URA
Legal Subdivision	HOME ASSOCIATION LANDS
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	2
Census Block	2003
Census Tract	336300

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	13 LAUREL ST, MELROSE, MA 02176-4023
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2019	Deed of Trust, Mortgage · Balloon Mortgage WEBSTER FIRST FEDERAL CREDIT UNION
Jul 30, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 19, 2018	Deed of Trust, Mortgage MORTGAGE NTWK
May 30, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI
Feb 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage LEND USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2020 · Amount on Record
Deed Sale	Jul 30, 2020 · Amount on Record
Prior Sale	Mar 2, 2011 · Amount on Record
Deed Document Number	2020126277
Deed Book / Page	75251 / 418
Prior Transfer Date	Jul 20, 2020
Prior Transfer Doc	75251-418
Record Updated	Oct 29, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	13 LAUREL ST, MELROSE, MA 02176-4023
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072274-538
Date	Feb 27, 2019
Book Page	72274/538
Instrument	24427

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Jul 30, 2020
Property Address	13 LAUREL ST, MELROSE, MA 02176-4023
Document Number	075251-418
Book / Page	75251 / 418
Instrument Date	Jul 20, 2020
Instrument	126277
Transaction Type	Transfer
Record Updated	May 10, 2022

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
Address	13 LAUREL ST, MELROSE, MA 02176-4023

Mortgage

Document Number	0000126278
Date	Jul 30, 2020
Instrument	126278

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	13 LAUREL ST, MELROSE, MA 02176-4023
Document Number	71923-146
Instrument Date	Nov 19, 2018
Transaction Type	Mortgage
Record Updated	Dec 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 LAUREL ST MELROSE MA 021764023, MELROSE, MA 02176-4023

Mortgage

Document Number	71923-146
Date	Nov 26, 2018
Book Page	071923/000146
Instrument	9752

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 25, 2048

Interest

Rate Type	Adjustable Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	13 LAUREL ST, MELROSE, MA 02176-4023
Document Number	71176-138
Instrument Date	May 30, 2018
Transaction Type	Mortgage
Record Updated	Jul 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 LAUREL ST MELROSE MA 021764023, MELROSE, MA 02176-4023

Mortgage

Document Number	71176-138
Date	Jun 19, 2018
Book Page	071176/000138
Instrument	87952

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	13 LAUREL ST, MELROSE, MA 02176-4023
Document Number	70697-468
Instrument Date	Feb 27, 2018
Transaction Type	Mortgage
Record Updated	Mar 5, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70697-468
Date	Mar 5, 2018
Book Page	070697/000468
Instrument	29932

Lender

Name	LEND USA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 4, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%

Tax Assessment & Valuation

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	$13,844.00 (+12,043.86%)	$1,207,000 (+4.3%) Land $496,700 Building $710,300	$1,432,868 (+14.31%)
2025	$114.00 (-98.97%)	$1,157,200 (+3.7%) Land $468,300 Building $688,900	$1,253,525
2024	$11,081.00 (+0.89%)	$1,115,900 (+5.87%) Land $439,900 Building $676,000
2023	$10,983.00	$1,054,000 Land $425,700 Building $628,300

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
Nearby Flood Claims	12 (1982–2006)
Most Recent Claim	May 2006 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 5 claims Extreme Weather Conditons And Flooding, Oct 1996 · 3 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	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 785 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
Netafy Fixed Wireless	476 / 106
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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