193 E Emerson St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 193 E Emerson St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,640 sqft · built 1920
Lot Size	0.189 acres (8,237 sqft)
Owner	2 Trust Names on File
Last Sale	$414,000 (May 1999)
Tax Bill	$12,385 (2026)
Deeds & Mortgages	Jan 2021 Refinance Oct 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0E9 P:0000114`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0E9 P:0000114`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,640 sqft Living Area
Gross Area	4,886 sqft
Basement Area	916 sqft
Unfinished Basement	458 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,237 sqft (0.189 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	193 E EMERSON ST
City	MELROSE
State	MA
Zip	02176-3534
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	2014
Census Tract	336202

Owner

193 E Emerson St is owner-occupied and held in a trust since January 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	193 E EMERSON ST, MELROSE, MA 02176-3534
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable 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
Jan 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK
Oct 21, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 1999 · Amount on File
Deed Sale	May 13, 1999 · Amount on File
Last Transfer Date	Jan 24, 2025
Transfer Doc	083741-240
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	193 E EMERSON ST, MELROSE, MA 02176-3534
Transaction Type	Mortgage
Record Updated	Feb 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76814-450
Date	Jan 28, 2021
Book Page	76814/450
Instrument	19977

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Feb 1, 2046

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	193 E EMERSON ST, MELROSE, MA 02176-3534
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75946-358
Date	Oct 21, 2020
Book Page	75946/358
Instrument	192426

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 193 E Emerson St was $12,385, up 23.9% 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	$12,385.00 (+23.9%)	$1,079,800 (+6.94%) Land $517,500 Building $562,300	$1,263,968 (+2.94%)
2025	$9,996.00 (+1.11%)	$1,009,700 (+1.42%) Land $461,500 Building $548,200	$1,227,875
2024	$9,886.00 (+4.62%)	$995,600 (+9.79%) Land $461,500 Building $534,100
2023	$9,449.00	$906,800 Land $419,600 Building $487,200

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

Flood

FEMA maps place 193 E Emerson 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	2 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 193 E Emerson 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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