15 Stowell Rd, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 15 Stowell Rd, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,334 sqft · built 1932
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,100,000 (Aug 2018)
Tax Bill	$16,252 (2026)
Deeds & Mortgages	Sep 2022 Line of Credit Feb 2017 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:006 B:0390 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:006 B:0390 L:0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,334 sqft Living Area
Gross Area	5,021 sqft
Basement Area	1,010 sqft
Unfinished Basement	1,010 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,001 sqft (0.23 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	15 STOWELL RD
City	WINCHESTER
State	MA
Zip	01890-3911
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDB
Legal Block	390
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	2
Census Block	2008
Census Tract	338500

Owner

Source: Middlesex County and Winchester Town 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 STOWELL RD, WINCHESTER, MA 01890-3911
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2022	Deed of Trust, Mortgage · Line of Credit WINCHESTER COOPERATIVE BANK
Feb 21, 2017	Deed of Trust, Mortgage · ARM WINCHESTER COOPERATIVE BANK
Sep 27, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance WINCHESTER COOPERATIVE BANK
May 1, 2020	Deed of Trust, Mortgage · Balloon Mortgage WINCHESTER COOPERATIVE BANK
Oct 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WINCHESTER COOPERATIVE BANK
Aug 2, 2018	Quit Claim Deed, Transfer WINCHESTER SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2018 · Amount on Record
Deed Sale	Aug 2, 2018 · Amount on Record
Prior Sale	Jul 9, 1999 · Amount on Record
Deed Book / Page	71420 / 363
Transfer Doc	071420-363
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	15 STOWELL RD, WINCHESTER, MA 01890-3911
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080696-474
Date	Sep 12, 2022
Book Page	80696/474
Instrument	138612

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2042

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	15 STOWELL RD, WINCHESTER, MA 01890-3911
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	68913-413
Date	Feb 21, 2017
Book Page	68913/413
Instrument	26681

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	15 STOWELL RD, WINCHESTER, MA 01890-3911
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73354-12
Date	Sep 27, 2019
Book Page	73354/12
Instrument	147482

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2039

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	15 STOWELL RD, WINCHESTER, MA 01890-3911
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74590-417
Date	May 1, 2020
Book Page	74590/417
Instrument	65546

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2040

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	15 STOWELL RD, WINCHESTER, MA 01890-3911
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75962-1
Date	Oct 23, 2020
Book Page	75962/1
Instrument	194035

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Aug 2, 2018
Property Address	15 STOWELL RD, WINCHESTER, MA 01890-3911
Document Number	71420-363
Book / Page	71420 / 363
Instrument	117704
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$117.89
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 STOWELL RD, WINCHESTER, MA 01890-3911

Mortgage

Document Number	714200367
Date	Aug 2, 2018
Instrument	71420/0367

Lender

Name	WINCHESTER SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 2, 2048

Interest

Rate	3.88%
Max Rate At Change	90.1%
Max Rate	2.75%

Tax Assessment & Valuation

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	$16,252.00 (+10,057.5%)	$1,466,800 (+1.14%) Land $924,000 Building $542,800	$1,634,634 (+9.69%)
2025	$160.00 (-98.95%)	$1,450,300 (+7.82%) Land $924,000 Building $526,300	$1,490,265
2024	$15,240.00 (+1.69%)	$1,345,100 (+5.91%) Land $858,000 Building $487,100
2023	$14,986.00	$1,270,000 Land $792,000 Building $478,000

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 · 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	3 in force
Nearby Flood Claims	2 (2001–2006)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2006 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 2 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 489 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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