Norfolk County and Needham Town property record for 188 Charles River St, Needham, MA 02492
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,835 sqft · built 1954 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Trust Name on Record |
| Last Sale | $690,000 (Dec 2003) |
| Tax Bill | $16,771 (2025) |
| Deeds & Mortgages | Apr 2022 Line of Credit May 2022 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:2140000200000 |
| Primary APN | M:2140000200000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 2,835 sqft Living Area |
| Gross Area | 3,061 sqft |
| 1st Floor Area | 2,835 sqft |
| Basement Area | 2,668 sqft |
| Unfinished Basement | 948 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 188 CHARLES RIVER ST |
|---|---|
| City | NEEDHAM |
| State | MA |
| Zip | 02492-1445 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRA |
| Legal Subdivision | NEEDHAM |
| Legal Block | 2 |
| Jurisdiction | NEEDHAM MA |
| Township / Civil Division | NEEDHAM |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 403300 |
Source: Norfolk County and Needham Town records, as of July 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 | Trust Name on Record |
|---|---|
| Mailing Address | 188 CHARLES RIVER ST, NEEDHAM, MA 02492-1445 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Apr 1, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| May 16, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Apr 7, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Sep 18, 2017 | Deed of Trust, Mortgage CITIZENS BK/RI |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 5, 2003 · Amount on Record |
| Deed Sale | Dec 5, 2003 · Amount on Record |
| Prior Sale | Jul 20, 1995 · Amount on Record |
| Deed Book / Page | 20282 / 19 |
| Last Transfer Date | Dec 10, 2021 |
| Transfer Doc | 040538-146 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 188 CHARLES RIVER ST, NEEDHAM, MA 02492-1445 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 040433-362 |
|---|---|
| Date | Apr 1, 2022 |
| Book Page | 40433/362 |
| Instrument | 28820 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | May 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Recording Date | May 16, 2022 |
| Property Address | 188 CHARLES RIVER ST, NEEDHAM, MA 02492-1445 |
| Document Number | 040538-146 |
| Book / Page | 40538 / 146 |
| Instrument Date | Dec 10, 2021 |
| Instrument | 42552 |
| Transaction Type | Transfer |
| Record Updated | Jun 3, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 188 CHARLES RIVER ST, NEEDHAM, MA 02492-1445 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 188 CHARLES RIVER ST, NEEDHAM, MA 02492-1445 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 39242-243 |
|---|---|
| Date | Apr 7, 2021 |
| Book Page | 39242/243 |
| Instrument | 45416 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 188 CHARLES RIVER ST, NEEDHAM, MA 02492-1445 |
| Document Number | 35461-226 |
| Book / Page | 035461 / 000226 |
| Instrument Date | Sep 18, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2017 |
| Name | Verified Name |
|---|
| Document Number | 35461-226 |
|---|---|
| Date | Sep 22, 2017 |
| Book Page | 035461/000226 |
| Instrument | 90138 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Sep 21, 2032 |
Source: Norfolk County and Needham Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Norfolk County |
| County Subdivision | Needham Town |
| Unified School District | Needham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $16,771.00 (-7.17%) | $1,582,200 (+14.21%) Land $787,100 Building $795,100 | $1,663,355 (+16.94%) |
| 2024 | $1,422,340 | ||
| 2023 | $18,066.00 | $1,385,400 Land $712,200 Building $673,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective May 26, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 18 policies |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 19 (1978–2023) |
| Claims Outside the SFHA | 19 of 19 |
| Most Recent Claim | Aug 2023 · rainfall accumulation |
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.
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 | Direct burnable vegetation |
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 | NEEDHAM WATER DEPT serves 31,664 people · EPA ID MA3199000 |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Jun 2024 |
| Lead | 5 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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.
Source: FCC Broadband Data Collection, based on 140 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 / 2,000 |
| Astound Broadband Cable | 1,500 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures