145 Mount Vernon Ave, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 145 Mount Vernon Ave, Melrose, MA 02176

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,567 sqft · built 1890
Lot Size	0.124 acres (5,401 sqft)
Owner	2 Individual Names on File
Last Sale	$780,000 (Jun 2019)
Tax Bill	$11,347 (2026)
Deeds & Mortgages	Jan 2017 Mortgage Nov 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0C5 P:0000086`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0C5 P:0000086`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,567 sqft Living Area
Gross Area	4,336 sqft
Basement Area	952 sqft
Unfinished Basement	952 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Conventional
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,401 sqft (0.124 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	145 MOUNT VERNON AVE
City	MELROSE
State	MA
Zip	02176-5234
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	1008
Census Tract	336404

Owner

145 Mount Vernon Ave, a duplex, is owned by two individuals who bought it in June 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	14 WARE RD, WINCHESTER, MA 01890-1032
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
Jan 20, 2017	Deed of Trust, Mortgage · ARM WINCHESTER COOPERATIVE BANK
Nov 12, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP.
Jun 26, 2019	Quit Claim Deed, Transfer · Conventional Mortgage BANK OF AMERICA
Sep 6, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2019 · Amount on File
Deed Sale	Jun 26, 2019 · Amount on File
Prior Sale	Sep 6, 2017
Deed Book / Page	72828 / 310
Prior Transfer Date	Jun 18, 2019
Prior Transfer Doc	72828-310
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	145 MOUNT VERNON AVE, MELROSE, MA 02176-5234
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	68788-135
Date	Jan 20, 2017
Book Page	68788/135
Instrument	11243

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	145 MOUNT VERNON AVE, MELROSE, MA 02176-5234
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76139-223
Date	Nov 12, 2020
Book Page	76139/223
Instrument	210666

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Jun 26, 2019
Property Address	145 MOUNT VERNON AVE, MELROSE, MA 02176-5234
Document Number	72828-310
Book / Page	072828 / 000310
Instrument Date	Jun 18, 2019
Instrument	88922
Transaction Type	Transfer
Record Updated	Jul 16, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,556.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	145 MOUNT VERNON AVE MELROSE MA 021765234, MELROSE, MA 02176-5234

Mortgage

Document Number	72828-313
Date	Jun 26, 2019
Book Page	072828/000313
Instrument	88923

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 25, 2049

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Sep 6, 2017
Property Address	145 MOUNT VERNON AVE, MELROSE, MA 02176-5234
Document Number	69887-81
Book / Page	069887 / 000081
Instrument Date	Jul 25, 2017
Instrument	143647
Transaction Type	Transfer
Record Updated	Sep 26, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	69 GOOCH ST MELROSE MA 021764034, MELROSE, MA 02176-4034

Tax Assessment & Valuation

The 2026 property tax bill for 145 Mount Vernon Ave was $11,347, up 11,971.3% 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	$11,347.00 (+11,971.28%)	$989,300 (+4.01%) Land $474,600 Building $514,700	$1,024,015
2025	$94.00 (-98.96%)	$951,200 (+4.44%) Land $461,000 Building $490,200
2024	$9,044.00 (+1.25%)	$910,800 (+6.25%) Land $447,500 Building $463,300
2023	$8,932.00	$857,200 Land $406,800 Building $450,400

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

Flood

FEMA maps place 145 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 145 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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