17 School St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 17 School St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,158 sqft · built 1925
Lot Size	0.195 acres (8,499 sqft)
Owner	2 Individual Names on File
Last Sale	$730,200 (Feb 2018)
Tax Bill	$11,020 (2026)
Deeds & Mortgages	Jan 2021 Refinance May 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0F9 P:0000034`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0F9 P:0000034`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,158 sqft Living Area
Gross Area	3,846 sqft
Basement Area	725 sqft
Unfinished Basement	725 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,499 sqft (0.195 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	17 SCHOOL ST
City	MELROSE
State	MA
Zip	02176-3320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URA
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	1
Census Block	1009
Census Tract	336202

Owner

17 School St is owned and occupied by two individuals who bought it in February 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	17 SCHOOL ST, MELROSE, MA 02176-3320
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
Jan 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE NETWORK INC
May 4, 2021	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Jan 27, 2022	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Jul 27, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE NETWORK INC
Feb 28, 2018	Quit Claim Deed, Transfer · Conventional Mortgage MORTGAGE NTWK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2018 · Amount on File
Deed Sale	Feb 28, 2018 · Amount on File
Prior Sale	Dec 17, 2014 · Amount on File
Deed Book / Page	70680 / 107
Transfer Doc	070680-107
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	17 SCHOOL ST, MELROSE, MA 02176-3320
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	076720-310
Date	Jan 19, 2021
Book Page	76720/310
Instrument	11827

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

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

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	17 SCHOOL ST, MELROSE, MA 02176-3320
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0077687-99
Date	May 4, 2021
Book Page	77687/99
Instrument	101287

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	17 SCHOOL ST, MELROSE, MA 02176-3320
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079601-237
Date	Jan 27, 2022
Book Page	79601/237
Instrument	15061

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	17 SCHOOL ST, MELROSE, MA 02176-3320
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75214-285
Date	Jul 27, 2020
Book Page	75214/285
Instrument	122732

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Feb 28, 2018
Property Address	17 SCHOOL ST, MELROSE, MA 02176-3320
Document Number	70680-107
Book / Page	070680 / 000107
Instrument Date	Feb 28, 2018
Instrument	27869
Transaction Type	Transfer
Record Updated	Mar 20, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,329.71
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	17 SCHOOL ST MELROSE MA 021763320, MELROSE, MA 02176-3320

Mortgage

Document Number	70680-109
Date	Feb 28, 2018
Book Page	070680/000109
Instrument	27870

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 27, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 17 School St was $11,020, up 11,623.4% 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	$11,020.00 (+11,623.4%)	$960,800 (+1.15%) Land $518,900 Building $441,900	$1,071,009 (+7.05%)
2025	$94.00 (-99%)	$949,900 (-) Land $518,900 Building $431,000	$1,000,445
2024	$9,433.00 (+8.02%)	$949,900 (+13.34%) Land $518,900 Building $431,000
2023	$8,733.00	$838,100 Land $462,800 Building $375,300

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

Flood

FEMA maps place 17 School St in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	1 in force

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

The area around 17 School 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 785 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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