14 School St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 14 School St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,642 sqft · built 1913
Lot Size	0.195 acres (8,499 sqft)
Owner	2 Individual Names on File
Last Sale	$186,000 (Dec 1993)
Tax Bill	$9,296 (2026)
Deeds & Mortgages	Apr 2026 Second Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0F8 P:0000144`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0F8 P:0000144`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,642 sqft Living Area
Gross Area	4,934 sqft
Basement Area	1,364 sqft
Unfinished Basement	682 sqft

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Architectural Style	Bungalow
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,499 sqft (0.195 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	14 SCHOOL ST
City	MELROSE
State	MA
Zip	02176-3321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URA
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	1
Census Block	1011
Census Tract	336202

Owner

14 School St is owned and occupied by two individuals who bought it in December 1993.

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

Owner of Record	2 Individual Names on File
Mailing Address	14 SCHOOL ST, MELROSE, MA 02176-3321
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 28, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CAMBRIDGE SAVINGS BANK
Jan 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage MELROSE CO-OP BK
Oct 16, 2017	Deed of Trust, Mortgage · Conventional Mortgage JEAN C DALTON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 1993 · Amount on File
Deed Sale	Dec 15, 1993 · Amount on File
Deed Book / Page	1120 / 115
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Recording Date	Apr 28, 2026
Property Address	14 SCHOOL ST, MELROSE, MA 02176-3321
Document Number	0001998592
Instrument Date	Apr 23, 2026
Instrument	20261998592
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 SCHOOL ST, MELROSE, MA 02176-3321

Mortgage

Document Number	0001998592,
Date	Apr 28, 2026
Instrument	20261998592

Lender

Name	CAMBRIDGE SAVINGS BANK

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2046

Interest

Rate	6.38%
Max Rate	-1%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	14 SCHOOL ST, MELROSE, MA 02176-3321
Document Number	0001835600
Instrument Date	Jan 30, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14 SCHOOL ST MELROSE MA 021763321, MELROSE, MA 02176-3321

Mortgage

Document Number	0001835600
Date	Feb 4, 2020
Instrument	1835600

Lender

Name	MELROSE CO-OP BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 3, 2050

Interest

Rate Type	Adjustable Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	14 SCHOOL ST, MELROSE, MA 02176-3321
Document Number	0000073297
Instrument Date	Oct 16, 2017
Transaction Type	Mortgage
Record Updated	Nov 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000073297
Date	Oct 20, 2017
Instrument	73297

Lender

Name	JEAN C DALTON

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 14 School St was $9,296, up 11,817.9% 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	$9,296.00 (+11,817.95%)	$810,500 (+2.59%) Land $518,900 Building $291,600	$1,024,914 (+16.67%)
2025	$78.00 (-99%)	$790,000 (+1.05%) Land $518,900 Building $271,100	$878,465
2024	$7,763.00 (+6.8%)	$781,800 (+12.07%) Land $518,900 Building $262,900
2023	$7,269.00	$697,600 Land $462,800 Building $234,800

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

Flood

FEMA maps place 14 School 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	1 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 14 School 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 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.

Nearby Properties on School St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures