140 Mount Vernon Ave, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 140 Mount Vernon Ave, Melrose, MA 02176

Property Summary

Property Type	Duplex
Details	3 bd · 2.5 ba · 2,718 sqft · built 1880
Lot Size	0.113 acres (4,944 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Aug 2008)
Tax Bill	$10,810 (2026)
Deeds & Mortgages	Jul 2025 Line of Credit May 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0C5 P:0000051`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0C5 P:0000051`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,718 sqft Living Area
Gross Area	5,148 sqft
Basement Area	1,200 sqft
Unfinished Basement	1,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,944 sqft (0.113 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	140 MOUNT VERNON AVE
City	MELROSE
State	MA
Zip	02176-5236
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	URB
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	1
Census Block	1009
Census Tract	336404

Owner

140 Mount Vernon Ave, a duplex, is owned and occupied by two individuals who bought it in August 2008.

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

Owner of Record	2 Individual Names on File
Mailing Address	140 MOUNT VERNON AVE, MELROSE, MA 02176-5236
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jul 23, 2025	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
May 24, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE NETWORK INC
Dec 31, 2019	Deed of Trust, Mortgage · Balloon Mortgage EASTERN BANK
Feb 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE NTWK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2008 · Amount on File
Deed Sale	Aug 28, 2008 · Amount on File
Prior Sale	Jul 31, 2003 · Amount on File
Deed Document Number	2008143257
Deed Book / Page	51626 / 546
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	140 MOUNT VERNON AVE, MELROSE, MA 02176-5236
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084394-435
Date	Jul 23, 2025
Book Page	84394/435
Instrument	86174

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	140 MOUNT VERNON AVE, MELROSE, MA 02176-5236
Transaction Type	Mortgage
Record Updated	Jun 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080172-521
Date	May 24, 2022
Book Page	80172/521
Instrument	77929

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

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

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	140 MOUNT VERNON AVE, MELROSE, MA 02176-5236
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73932-384
Date	Dec 31, 2019
Book Page	73932/384
Instrument	210568

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	140 MOUNT VERNON AVE, MELROSE, MA 02176-5236
Document Number	70665-59
Instrument Date	Feb 23, 2018
Transaction Type	Mortgage
Record Updated	Mar 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70665-59
Date	Feb 26, 2018
Book Page	070665/000059
Instrument	25885

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 25, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 140 Mount Vernon Ave was $10,810, up 19.3% 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	$10,810.00 (+19.26%)	$942,500 (+2.94%) Land $472,200 Building $470,300	$921,054
2025	$9,064.00 (+2.2%)	$915,600 (+2.51%) Land $458,700 Building $456,900
2024	$8,869.00 (+3.65%)	$893,200 (+8.77%) Land $445,200 Building $448,000
2023	$8,557.00	$821,200 Land $404,700 Building $416,500

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

Flood

FEMA maps place 140 Mount Vernon Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 140 Mount Vernon Ave 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 802 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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