16 Cass St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 16 Cass St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,856 sqft · built 1918
Lot Size	0.217 acres (9,474 sqft)
Owner	Individual Name on File
Last Sale	$433,000 (Feb 2008)
Tax Bill	$9,450 (2026)
Deeds & Mortgages	Jul 2021 Line of Credit Oct 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0D7 P:0000098`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0D7 P:0000098`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,856 sqft Living Area
Gross Area	3,776 sqft
Basement Area	849 sqft
Unfinished Basement	849 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Architectural Style	Other
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,474 sqft (0.217 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	16 CASS ST
City	MELROSE
State	MA
Zip	02176-3925
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URB
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	5
Census Block	5007
Census Tract	336300

Owner

16 Cass St is owned and occupied by an individual who bought it in February 2008.

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

Owner of Record	Individual Name on File
Mailing Address	16 CASS ST, MELROSE, MA 02176-3925
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
Jul 21, 2021	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Oct 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Jul 7, 2017	Deed of Trust, Mortgage · Line of Credit EASTERN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 4, 2008 · Amount on File
Deed Sale	Feb 4, 2008 · Amount on File
Prior Sale	Jul 22, 2005 · Amount on File
Deed Document Number	200817577
Deed Book / Page	50679 / 321
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	16 CASS ST, MELROSE, MA 02176-3925
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078289-359
Date	Jul 21, 2021
Book Page	78289/359
Instrument	163643

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	16 CASS ST, MELROSE, MA 02176-3925
Transaction Type	Mortgage
Record Updated	Oct 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78836-426
Date	Oct 4, 2021
Book Page	78836/426
Instrument	218551

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	16 CASS ST, MELROSE, MA 02176-3925
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69570-332
Date	Jul 7, 2017
Book Page	69570/332
Instrument	105738

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 16 Cass St was $9,450, up 11,712.5% 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	$9,450.00 (+11,712.5%)	$823,900 (+1.45%) Land $439,300 Building $384,600	$983,968 (+49.29%)
2025	$80.00 (-98.96%)	$812,100 (+4.67%) Land $439,300 Building $372,800	$659,110
2024	$7,705.00 (+2.26%)	$775,900 (+7.3%) Land $411,000 Building $364,900
2023	$7,535.00	$723,100 Land $382,600 Building $340,500

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

Flood

FEMA maps place 16 Cass St 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 16 Cass St 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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