18 Cambridge St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 18 Cambridge St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,121 sqft · built 1970
Lot Size	0.656 acres (28,567 sqft)
Owner	2 Individual Names on Record
Last Sale	$985,000 (Sep 2017)
Tax Bill	$15,526 (2026)
Deeds & Mortgages	Sep 2021 Refinance Sep 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:020 B:0206 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:020 B:0206 L:0`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	4,121 sqft Living Area
Gross Area	4,898 sqft
1st Floor Area	720 sqft
Basement Area	2,109 sqft
Unfinished Basement	105 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Split Foyer
Exterior Material	Brick
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	28,567 sqft (0.656 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric

Location & Zoning

Street Address	18 CAMBRIDGE ST
City	WINCHESTER
State	MA
Zip	01890-3704
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDA
Legal Block	206
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	2
Census Block	2020
Census Tract	338400

Owner

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	18 CAMBRIDGE ST, WINCHESTER, MA 01890-3704
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 20, 2017	Quit Claim Deed, Transfer MSA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2017 · Amount on Record
Deed Sale	Sep 20, 2017 · Amount on Record
Prior Sale	Dec 27, 1996 · Amount on Record
Deed Book / Page	69960 / 399
Transfer Doc	069960-399
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	18 CAMBRIDGE ST, WINCHESTER, MA 01890-3704
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078714-427
Date	Sep 16, 2021
Book Page	78714/427
Instrument	206487

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	18 CAMBRIDGE ST, WINCHESTER, MA 01890-3704
Transaction Type	Mortgage
Record Updated	Oct 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78714-427
Date	Sep 16, 2021
Book Page	78714/427
Instrument	206487

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Sep 20, 2017
Property Address	18 CAMBRIDGE ST, WINCHESTER, MA 01890-3704
Document Number	69960-399
Book / Page	69960 / 399
Instrument	152874
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$100.95
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 CAMBRIDGE ST, WINCHESTER, MA 01890-3704

Mortgage

Document Number	699600401
Date	Sep 20, 2017
Instrument	69960/0401

Lender

Name	MSA MORTGAGE LLC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 20, 2047

Tax Assessment & Valuation

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	$15,526.00 (+10,114.47%)	$1,401,300 (+1.82%) Land $797,400 Building $603,900	$2,346,489 (+51.37%)
2025	$152.00 (-98.97%)	$1,376,200 (+5.63%) Land $797,400 Building $578,800	$1,550,210
2024	$14,761.00 (+8.86%)	$1,302,800 (+13.38%) Land $725,400 Building $577,400
2023	$13,559.00	$1,149,100 Land $653,400 Building $495,700

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	10 (1979–2010)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 96% 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 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: Astound Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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