Middlesex County and Winchester Town property record for 166 Forest St, Winchester, MA 01890
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,301 sqft · built 2002 |
| Lot Size | 0.297 acres (12,942 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,610,000 (Nov 2025) |
| Tax Bill | $17,957 (2026) |
| Deeds & Mortgages | Jul 2025 Mortgage Jul 2025 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WINC M:001 B:0081 L:0 |
| Primary APN | WINC M:001 B:0081 L:0 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,301 sqft Living Area |
| Gross Area | 4,530 sqft |
| Basement Area | 1,176 sqft |
| Unfinished Basement | 412 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,942 sqft (0.297 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 166 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 11000K |
| Legal Block | 81 |
| Jurisdiction | WINCHESTER MA |
| Township / Civil Division | WINCHESTER |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 338100 |
166 Forest St is owned and occupied by two individuals who bought it in November 2025.
Source: Middlesex County and Winchester Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 166 FOREST ST, WINCHESTER, MA 01890-1013 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jul 23, 2025 | Deed of Trust, Mortgage CITIZENS BANK |
| Jul 23, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Nov 12, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC |
| Sep 22, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Mar 12, 2020 | Quit Claim Deed, Transfer LOANDEPOT.COM LLC |
| Dec 15, 2017 | Quit Claim Deed, Transfer CITIZENS BK/RI |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 12, 2025 · Amount on File |
| Deed Sale | Nov 12, 2025 · Amount on File |
| Prior Sale | Mar 12, 2020 · Amount on File |
| Deed Document Number | 2025138238 |
| Deed Book / Page | 84864 / 292 |
| Prior Transfer Date | Nov 10, 2025 |
| Prior Transfer Doc | 084864-292 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER MA |
| Property Address | 166 FOREST ST, WINCHESTER, MA 01890-1013 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001981601 |
|---|---|
| Date | Jul 23, 2025 |
| Instrument | 1981601 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 301 Months |
| Due | Aug 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER MA |
| Property Address | 166 FOREST ST, WINCHESTER, MA 01890-1013 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 084395-122 |
|---|---|
| Date | Jul 23, 2025 |
| Book Page | 84395/122 |
| Instrument | 86226 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Aug 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WINCHESTER MA |
| Recording Date | Nov 12, 2025 |
| Property Address | 166 FOREST ST, WINCHESTER, MA 01890-1013 |
| Document Number | 084864-292 |
| Book / Page | 84864 / 292 |
| Instrument Date | Nov 10, 2025 |
| Instrument | 202500138238 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 166 FOREST ST, WINCHESTER, MA 01890-1013 |
| Document Number | 0000138239 |
|---|---|
| Date | Nov 12, 2025 |
| Instrument | 138239 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.38% |
| Type Change Date | Dec 1, 2030 |
| Index | Other |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER MA |
| Property Address | 166 FOREST ST, WINCHESTER, MA 01890-1013 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 75684-121 |
|---|---|
| Date | Sep 22, 2020 |
| Book Page | 75684/121 |
| Instrument | 167910 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WINCHESTER MA |
| Recording Date | Mar 12, 2020 |
| Property Address | 166 FOREST ST, WINCHESTER, MA 01890-1013 |
| Document Number | 74278-340 |
| Book / Page | 074278 / 000340 |
| Instrument Date | Mar 2, 2020 |
| Instrument | 37699 |
| Transaction Type | Transfer |
| Record Updated | Mar 31, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,746.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 166 FOREST ST WINCHESTER MA 018901013, WINCHESTER, MA 01890-1013 |
| Document Number | 1838382 |
|---|---|
| Date | Mar 12, 2020 |
| Instrument | 1838382 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 11, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WINCHESTER MA |
| Recording Date | Dec 15, 2017 |
| Property Address | 166 FOREST ST, WINCHESTER, MA 01890-1013 |
| Document Number | 70388-32 |
| Book / Page | 070388 / 000032 |
| Instrument Date | Dec 15, 2017 |
| Instrument | 3290 |
| Transaction Type | Transfer |
| Record Updated | Mar 5, 2019 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,731.92 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 166 FOREST ST WINCHESTER MA 018901013, WINCHESTER, MA 01890-1013 |
| Document Number | 77605 |
|---|---|
| Date | Dec 15, 2017 |
| Instrument | 77605 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Dec 14, 2047 |
| Rate | 3.25% |
|---|
The 2026 property tax bill for 166 Forest St was $17,957, up 1.8% 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 | $17,957.00 (+1.76%) | $1,620,700 (+1.85%) Land $806,400 Building $814,300 | $1,713,328 (+8.44%) |
| 2025 | $17,646.00 (+8.6%) | $1,591,200 (+10.95%) Land $806,400 Building $784,800 | $1,580,040 |
| 2024 | $16,248.00 (+3.4%) | $1,434,100 (+7.7%) Land $701,200 Building $732,900 | |
| 2023 | $15,713.00 | $1,331,600 Land $631,100 Building $700,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 166 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 166 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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