185 E Foster St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 185 E Foster St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,500 sqft · built 1910
Lot Size	0.131 acres (5,724 sqft)
Owner	2 Trust Names on File
Last Sale	$1,200,000 (Dec 2021)
Tax Bill	$13,532 (2026)
Deeds & Mortgages	Sep 2023 Transfer Jul 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0E7 P:0000055`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0E7 P:0000055`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	2,500 sqft Living Area
Gross Area	4,054 sqft
Basement Area	933 sqft
Unfinished Basement	933 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,724 sqft (0.131 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	185 E FOSTER ST
City	MELROSE
State	MA
Zip	02176-4015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URA
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	2
Census Block	2001
Census Tract	336300

Owner

185 E Foster St is owner-occupied and held in a trust since August 2023.

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

Owner of Record	2 Trust Names on File
Mailing Address	185 E FOSTER ST, MELROSE, MA 02176-4015
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Sep 18, 2023	Quit Claim Deed, Transfer Quitclaim
Jul 30, 2018	Deed of Trust, Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 7, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA
Oct 28, 2019	Quit Claim Deed, Transfer · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP
May 19, 2017	Foreclosure FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2021 · Amount on File
Deed Sale	Dec 7, 2021 · Amount on File
Prior Sale	May 19, 2017 · Amount on File
Deed Book / Page	79299 / 348
Last Transfer Date	Aug 29, 2023
Transfer Doc	082006-273
Record Updated	Oct 29, 2026

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Sep 18, 2023
Property Address	185 E FOSTER ST, MELROSE, MA 02176-4015
Document Number	082006-273
Book / Page	82006 / 273
Instrument Date	Aug 29, 2023
Instrument	105208
Transaction Type	Transfer
Record Updated	Oct 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 E FOSTER ST, MELROSE, MA 02176-4015

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	185 E FOSTER ST, MELROSE, MA 02176-4015
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071390-356
Date	Jul 30, 2018
Book Page	71390/356
Instrument	114255

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2048

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Dec 7, 2021
Property Address	185 E FOSTER ST, MELROSE, MA 02176-4015
Document Number	079299-348
Book / Page	79299 / 348
Instrument Date	Dec 7, 2021
Instrument	264381
Transaction Type	Transfer
Record Updated	Dec 24, 2021

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	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	185 E FOSTER ST, MELROSE, MA 02176-4015

Mortgage

Document Number	0000264382
Date	Dec 7, 2021
Instrument	264382

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Oct 28, 2019
Property Address	185 E FOSTER ST, MELROSE, MA 02176-4015
Document Number	73536-86
Book / Page	73536 / 86
Instrument Date	Oct 23, 2019
Instrument	166309
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 E FOSTER ST, MELROSE, MA 02176-4015

Mortgage

Document Number	0073536-89
Date	Oct 28, 2019
Book Page	73536/89
Instrument	166310

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

May 2017: Foreclosure

Document Type	Foreclosure
Jurisdiction	MELROSE MA
Recording Date	May 19, 2017
Property Address	185 E FOSTER ST, MELROSE, MA 02176-4015
Document Number	069303-417
Book / Page	69303 / 417
Instrument	74275
Transaction Type	Foreclosure
Record Updated	Jun 24, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$67.26
Amount Accuracy	Calculated from Transfer Tax
Additional	Foreclosure Auction Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 E FOSTER ST, MELROSE, MA 02176-4015

Mortgage

Document Number	0693030428
Date	May 19, 2017
Instrument	69303/0428

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 19, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 185 E Foster St was $13,532, up 12,666% 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	$13,532.00 (+12,666.04%)	$1,179,800 (+9.22%) Land $476,300 Building $703,500	$1,262,549 (+7.4%)
2025	$106.00 (-98.99%)	$1,080,200 (+2.58%) Land $449,100 Building $631,100	$1,175,530
2024	$10,456.00 (+2.28%)	$1,053,000 (+7.33%) Land $421,900 Building $631,100
2023	$10,223.00	$981,100 Land $408,300 Building $572,800

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

Flood

FEMA maps place 185 E Foster St in Zone X, an area of minimal flood risk, though there have been 12 flood claims 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
Nearby Flood Claims	12 (1982–2006)
Most Recent Claim	May 2006 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 5 claims Extreme Weather Conditons And Flooding, Oct 1996 · 3 claims

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 185 E Foster 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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