Middlesex County and Winchester Town property record for 16 James St, Winchester, MA 01890
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,624 sqft · built 1965 |
| Lot Size | 0.155 acres (6,743 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $700,000 (Jun 2017) |
| Tax Bill | $11,182 (2026) |
| Deeds & Mortgages | Jan 2021 Refinance Oct 2019 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WINC M:025 B:0103 L:0 |
| Primary APN | WINC M:025 B:0103 L:0 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,624 sqft Living Area |
| Gross Area | 1,960 sqft |
| Basement Area | 960 sqft |
| Unfinished Basement | 336 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Split Foyer |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,743 sqft (0.155 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 16 JAMES ST |
|---|---|
| City | WINCHESTER |
| State | MA |
| Zip | 01890-3613 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RG |
| Legal Block | 103 |
| Jurisdiction | WINCHESTER MA |
| Township / Civil Division | WINCHESTER |
| Census Block Group | 4 |
| Census Block | 4015 |
| Census Tract | 338400 |
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 | 16 JAMES ST, WINCHESTER, MA 01890-3613 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jan 21, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance HARVARD UNIVERSITY CREDIT UNION |
| Oct 30, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance HARVARD UNIVERSITY CREDIT UNION |
| Jun 30, 2017 | Quit Claim Deed, Transfer HARVARD UNIV CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 2017 · Amount on Record |
| Deed Sale | Jun 30, 2017 · Amount on Record |
| Prior Sale | Feb 28, 2007 · Amount on Record |
| Deed Book / Page | 69542 / 117 |
| Transfer Doc | 069542-117 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER MA |
| Property Address | 16 JAMES ST, WINCHESTER, MA 01890-3613 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 076748-154 |
|---|---|
| Date | Jan 21, 2021 |
| Book Page | 76748/154 |
| Instrument | 14285 |
| Name | HARVARD UNIVERSITY CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER MA |
| Property Address | 16 JAMES ST, WINCHESTER, MA 01890-3613 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 73555-237 |
|---|---|
| Date | Oct 30, 2019 |
| Book Page | 73555/237 |
| Instrument | 168324 |
| Name | HARVARD UNIVERSITY CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 1, 2039 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WINCHESTER MA |
| Recording Date | Jun 30, 2017 |
| Property Address | 16 JAMES ST, WINCHESTER, MA 01890-3613 |
| Document Number | 69542-117 |
| Book / Page | 069542 / 000117 |
| Instrument Date | Jun 26, 2017 |
| Instrument | 102320 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2017 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,192.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 16 JAMES ST WINCHESTER MA 018903613, WINCHESTER, MA 01890-3613 |
| Document Number | 69542-119 |
|---|---|
| Date | Jun 30, 2017 |
| Book Page | 069542/000119 |
| Instrument | 102321 |
| Name | HARVARD UNIV CU |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 29, 2047 |
Source: Middlesex County and Winchester Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Winchester Town |
| Unified School District | Winchester School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $11,182.00 (+10,449.06%) | $1,009,200 (+4.95%) Land $583,700 Building $425,500 | $1,021,517 (+2.57%) |
| 2025 | $106.00 (-99.03%) | $961,600 (-) Land $553,000 Building $408,600 | $995,885 |
| 2024 | $10,895.00 (+7.48%) | $961,600 (+11.93%) Land $553,000 Building $408,600 | |
| 2023 | $10,137.00 | $859,100 Land $506,900 Building $352,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 in force |
| Nearby Flood Claims | 3 (2006–2010) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no wildfire likelihood modeled here |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 253 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 |
| Astound Broadband Cable | 1,500 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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