14 Seneca Rd, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 14 Seneca Rd, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 5,144 sqft · built 2005
Lot Size	0.216 acres (9,413 sqft)
Owner	2 Individual Names on File
Last Sale	$2,360,000 (Apr 2023)
Tax Bill	$24,980 (2026)
Deeds & Mortgages	Nov 2022 Mortgage Sep 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:021 B:0185 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:021 B:0185 L:0`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	5,144 sqft Living Area
Gross Area	8,417 sqft
Basement Area	1,979 sqft
Unfinished Basement	792 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,413 sqft (0.216 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	14 SENECA RD
City	WINCHESTER
State	MA
Zip	01890-3444
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDB
Legal Block	185
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	1
Census Block	1018
Census Tract	338400

Owner

14 Seneca Rd is owned and occupied by two individuals who bought it in April 2023.

Source: Middlesex County and Winchester Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	14 SENECA RD, WINCHESTER, MA 01890-3444
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
Nov 30, 2022	Deed of Trust, Mortgage · ARM BANK OF AMERICA NA
Sep 8, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Apr 6, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2023 · Amount on File
Deed Sale	Apr 6, 2023 · Amount on File
Prior Sale	Mar 1, 2012 · Amount on File
Deed Book / Page	81403 / 531
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	14 SENECA RD, WINCHESTER, MA 01890-3444
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080999-522
Date	Nov 30, 2022
Book Page	80999/522
Instrument	174624

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Type Change Date	Dec 1, 2027
Index	Other

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	14 SENECA RD, WINCHESTER, MA 01890-3444
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080683-190
Date	Sep 8, 2022
Book Page	80683/190
Instrument	137019

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Apr 6, 2023
Property Address	14 SENECA RD, WINCHESTER, MA 01890-3444
Document Number	081403-531
Book / Page	81403 / 531
Instrument Date	Apr 6, 2023
Instrument	34540
Transaction Type	Transfer
Record Updated	Apr 21, 2023

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	14 SENECA RD, WINCHESTER, MA 01890-3444
Investor	Possibly a Property Investor

Mortgage

Document Number	0000034541
Date	Apr 6, 2023
Instrument	34541

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	May 1, 2030
Max Rate At Change	3%
Index	Other
Margin	3

Tax Assessment & Valuation

The 2026 property tax bill for 14 Seneca Rd was $24,980, up 10,265.1% from the year before.

Source: Middlesex County and Winchester Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Winchester Town
Unified School District	Winchester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$24,980.00 (+10,265.15%)	$2,254,500 (+3.37%) Land $945,100 Building $1,309,400	$2,483,323 (+0.43%)
2025	$241.00 (-98.91%)	$2,180,900 (+11.54%) Land $912,500 Building $1,268,400	$2,472,660
2024	$22,152.00 (+4.08%)	$1,955,200 (+8.4%) Land $847,300 Building $1,107,900
2023	$21,284.00	$1,803,700 Land $717,000 Building $1,086,700

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

Flood

FEMA maps place 14 Seneca Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1996.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (1996–2010)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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 Seneca Rd 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	WINCHESTER WATER DEPT serves 22,970 people · EPA ID MA3344000
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 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 349 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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