15 Pine St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 15 Pine St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,287 sqft · built 1850
Lot Size	0.14 acres (6,116 sqft)
Owner	2 Individual Names on Record
Last Sale	$855,000 (Sep 2023)
Tax Bill	$9,790 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Dec 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0A9 P:0000091`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0A9 P:0000091`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,287 sqft Living Area
Gross Area	4,234 sqft
Basement Area	811 sqft
Unfinished Basement	811 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,116 sqft (0.14 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	15 PINE ST
City	MELROSE
State	MA
Zip	02176-3020
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URA
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	3
Census Block	3008
Census Tract	336100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	15 PINE ST, MELROSE, MA 02176-3020
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage INSTITUTION FOR SAVINGS NEWBURYPORT
Dec 2, 2022	Deed of Trust, Mortgage · Line of Credit LIBERTY BAY CREDIT UNION
Dec 14, 2017	Deed of Trust, Mortgage · ARM MEMBERS MORTGAGE COMPANY INC
Mar 9, 2020	Deed of Trust, Mortgage · ARM MEMBERS MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2023 · Amount on Record
Deed Sale	Sep 22, 2023 · Amount on Record
Prior Sale	May 3, 1996 · Amount on Record
Deed Document Number	2023107632
Deed Book / Page	82027 / 13
Record Updated	Oct 29, 2026

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Sep 22, 2023
Property Address	15 PINE ST, MELROSE, MA 02176-3020
Document Number	0082027-13
Book / Page	82027 / 13
Instrument Date	Sep 22, 2023
Instrument	107632
Transaction Type	Transfer
Record Updated	Oct 9, 2023

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
Relationship	Tenants by the Entirety
Address	15 PINE ST, MELROSE, MA 02176-3020

Mortgage

Document Number	0000107633
Date	Sep 22, 2023
Instrument	107633

Lender

Name	INSTITUTION FOR SAVINGS NEWBURYPORT
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	15 PINE ST, MELROSE, MA 02176-3020
Transaction Type	Mortgage
Record Updated	Dec 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081013-513
Date	Dec 2, 2022
Book Page	81013/513
Instrument	176238

Lender

Name	LIBERTY BAY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	15 PINE ST, MELROSE, MA 02176-3020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70378-465
Date	Dec 14, 2017
Book Page	70378/465
Instrument	202185

Lender

Name	MEMBERS MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	372 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	15 PINE ST, MELROSE, MA 02176-3020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74255-407
Date	Mar 9, 2020
Book Page	74255/407
Instrument	35207

Lender

Name	MEMBERS MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Type Change Date	Apr 1, 2027

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	$9,790.00 (+12,137.5%)	$853,500 (+4.63%) Land $454,400 Building $399,100	$1,057,074 (+32.03%)
2025	$80.00 (-98.96%)	$815,700 (+5.78%) Land $428,500 Building $387,200	$800,660
2024	$7,657.00	$771,100 (+4.94%) Land $402,500 Building $368,600
2023	$7,657.00	$734,800 Land $389,500 Building $345,300

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

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

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 494 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 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, Netafy.

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