Middlesex County and Winchester Town property record for 164 Forest St, Winchester, MA 01890
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,704 sqft · built 1922 |
| Lot Size | 0.219 acres (9,522 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $13,093 (2026) |
| Deeds & Mortgages | Jul 2026 Line of Credit Jul 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WINC M:001 B:0080 L:0 |
| Primary APN | WINC M:001 B:0080 L:0 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,704 sqft Living Area |
| Gross Area | 2,614 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1922 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,522 sqft (0.219 acres) |
| Garage Type | Detached |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 164 FOREST ST |
|---|---|
| City | WINCHESTER |
| State | MA |
| Zip | 01890-1013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RDB |
| Legal Subdivision | PLAN 11000A |
| Legal Block | 80 |
| Jurisdiction | WINCHESTER MA |
| Township / Civil Division | WINCHESTER |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 338100 |
164 Forest St is owned and occupied by two individuals who acquired it in December 2008.
Source: Middlesex County and Winchester Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 164 FOREST ST, WINCHESTER, MA 01890-1013 |
| 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.
| Date | Document |
|---|---|
| Jul 9, 2026 | Deed of Trust, Mortgage · Line of Credit CAMBRIDGE SAVINGS BANK |
| Jul 6, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Mar 22, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CAMBRIDGE SVGS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 29, 2008 |
| Deed Sale | Dec 29, 2008 |
| Prior Sale | Sep 26, 2008 · Amount on File |
| Deed Book / Page | 1363 / 139 |
| Transfer Doc | 1363-139 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER MA |
| Recording Date | Jul 9, 2026 |
| Property Address | 164 FOREST ST, WINCHESTER, MA 01890-1013 |
| Document Number | 0002003627 |
| Instrument Date | Jul 3, 2026 |
| Instrument | 20262003627 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 164 FOREST ST, WINCHESTER, MA 01890-1013 |
| Document Number | 0002003627, |
|---|---|
| Date | Jul 9, 2026 |
| Instrument | 20262003627 |
| Name | CAMBRIDGE SAVINGS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER MA |
| Property Address | 164 FOREST ST, WINCHESTER, MA 01890-1013 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001885903 |
|---|---|
| Date | Jul 6, 2021 |
| Instrument | 1885903 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER MA |
| Property Address | 164 FOREST ST, WINCHESTER, MA 01890-1013 |
| Document Number | 0000010281 |
| Instrument Date | Mar 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 164 FOREST ST WINCHESTER MA 018901013, WINCHESTER, MA 01890-1013 |
| Document Number | 0000010281 |
|---|---|
| Date | Apr 1, 2019 |
| Instrument | 10281 |
| Name | CAMBRIDGE SVGS BK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 31, 2039 |
The 2026 property tax bill for 164 Forest St was $13,093, up 10,049.6% from the year before.
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 | $13,093.00 (+10,049.61%) | $1,181,700 (+1.16%) Land $751,300 Building $430,400 | $1,102,338 (+10.51%) |
| 2025 | $129.00 (-98.9%) | $1,168,200 (+12.39%) Land $751,300 Building $416,900 | $997,500 |
| 2024 | $11,776.00 (+3.42%) | $1,039,400 (+7.71%) Land $653,300 Building $386,100 | |
| 2023 | $11,387.00 | $965,000 Land $588,000 Building $377,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 164 Forest St in Zone X, an area of minimal flood risk, though there have been 28 flood claims nearby since 1979.
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 |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 28 (1979–2015) |
| Claims Outside the SFHA | 22 of 28 |
| Most Recent Claim | Mar 2015 · rainfall accumulation |
| 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.
Wildfire risk around 164 Forest St is low, with a 0.01% annual chance of 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 239 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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