166 Pond St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 166 Pond St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,495 sqft · built 1942
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Individual Names on File
Last Sale	$1,230,000 (Aug 2022)
Tax Bill	$12,484 (2026)
Deeds & Mortgages	Aug 2022 Sale & Mortgage May 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:019 B:0187 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:019 B:0187 L:0`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,495 sqft Living Area
Gross Area	3,203 sqft
Basement Area	912 sqft
Finished Basement	912 sqft
Unfinished Basement	912 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,001 sqft (0.23 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	166 POND ST
City	WINCHESTER
State	MA
Zip	01890-1724
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDB
Legal Block	187
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	3
Census Block	3000
Census Tract	338300

Owner

166 Pond St is owned and occupied by two individuals who bought it in August 2022.

Source: Middlesex County and Winchester Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	166 POND ST, WINCHESTER, MA 01890-1724
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Aug 18, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage WASHINGTON TRUST MORTGAGE CO
May 16, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Apr 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Apr 24, 2019	Quit Claim Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2022 · Amount on File
Deed Sale	Aug 18, 2022 · Amount on File
Prior Sale	Apr 24, 2019 · Amount on File
Deed Document Number	2022127026
Deed Book / Page	80598 / 548
Record Updated	Oct 29, 2026

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Aug 18, 2022
Property Address	166 POND ST, WINCHESTER, MA 01890-1724
Document Number	080598-548
Book / Page	80598 / 548
Instrument Date	Aug 18, 2022
Instrument	127026
Transaction Type	Transfer
Record Updated	Sep 2, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	166 POND ST, WINCHESTER, MA 01890-1724

Mortgage

Document Number	0000127027
Date	Aug 18, 2022
Instrument	127027

Lender

Name	WASHINGTON TRUST MORTGAGE CO

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Sep 1, 2029
Max Rate At Change	3%
Index	1-Year CMT
Margin	3

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	166 POND ST, WINCHESTER, MA 01890-1724
Transaction Type	Mortgage
Record Updated	Jun 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080127-268
Date	May 16, 2022
Book Page	80127/268
Instrument	72783

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	166 POND ST, WINCHESTER, MA 01890-1724
Transaction Type	Mortgage
Record Updated	Apr 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	77496-1
Date	Apr 13, 2021
Book Page	77496/1
Instrument	82707

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

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

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Apr 24, 2019
Property Address	166 POND ST, WINCHESTER, MA 01890-1724
Document Number	72499-332
Book / Page	072499 / 000332
Instrument Date	Apr 16, 2019
Instrument	51335
Transaction Type	Transfer
Record Updated	May 14, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,464.24
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	166 POND ST WINCHESTER MA 018901724, WINCHESTER, MA 01890-1724

Mortgage

Document Number	72499-334
Date	Apr 24, 2019
Book Page	072499/000334
Instrument	51336

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 23, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 166 Pond St was $12,484, up 10,217.4% from the year before.

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	$12,484.00 (+10,217.36%)	$1,126,700 (+3.2%) Land $660,000 Building $466,700	$1,230,430 (-10.08%)
2025	$121.00 (-98.97%)	$1,091,800 (+4.8%) Land $627,000 Building $464,800	$1,368,380
2024	$11,804.00 (+5.46%)	$1,041,800 (+9.83%) Land $594,000 Building $447,800
2023	$11,193.00	$948,600 Land $544,500 Building $404,100

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

Flood

FEMA maps place 166 Pond St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

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	1 (1982)
Most Recent Claim	Jun 1982 · tidal / storm surge

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

Wildfire risk around 166 Pond St is low, with less than 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 94% of the US · lower than 88% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 57 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
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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