193 Garden St, Needham, MA 02492 Property Records

Norfolk County and Needham Town property record for 193 Garden St, Needham, MA 02492

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,892 sqft · built 1920
Lot Size	0.674 acres (29,359 sqft)
Owner	Company Name on Record
Last Sale	$2,000,000 (Apr 2026)
Tax Bill	$17,489 (2025)
Deeds & Mortgages	Oct 2021 Refinance Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:0510002900000`

Property Details

APN / Parcel Number

Primary APN	`M:0510002900000`
Alternative APN	`NEED M:051.0 B:0029 L:0000.0`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,892 sqft Living Area
Gross Area	3,948 sqft
1st Floor Area	2,892 sqft
Basement Area	2,407 sqft
Unfinished Basement	1,607 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1997
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	29,359 sqft (0.674 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	193 GARDEN ST
City	NEEDHAM
State	MA
Zip	02492-2322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRB
Legal Block	29
Jurisdiction	NEEDHAM MA
Township / Civil Division	NEEDHAM
Census Block Group	2
Census Block	2022
Census Tract	403400

Owner

Source: Norfolk County and Needham Town records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1194 GREAT PLAIN AVE, NEEDHAM, MA 02492-2207
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NEEDHAM BANK
Apr 24, 2026	Quit Claim Deed, Transfer · Stand-Alone First Mortgage DEDHAM INSTITUTION FOR SAVINGS
Oct 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NEEDHAM BANK
Mar 24, 2017	Deed of Trust, Mortgage · Line of Credit NAVIGANT CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2026 · Amount on Record
Deed Sale	Apr 24, 2026 · Amount on Record
Prior Sale	May 25, 2016 · Amount on Record
Deed Document Number	2026201
Deed Book / Page	43065 / 321
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	193 GARDEN ST, NEEDHAM, MA 02492-2322
Transaction Type	Mortgage
Record Updated	May 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039981-73
Date	Oct 20, 2021
Book Page	39981/73
Instrument	134381

Lender

Name	NEEDHAM BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEEDHAM MA
Recording Date	Apr 24, 2026
Property Address	193 GARDEN ST, NEEDHAM, MA 02492-2322
Document Number	043065-321
Book / Page	43065 / 321
Instrument Date	Apr 21, 2026
Instrument	2026.201
Transaction Type	Transfer
Record Updated	May 14, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1194 GREAT PLAIN AVE, NEEDHAM, MA 02492-2207

Mortgage

Date	Apr 24, 2026

Lender

Name	DEDHAM INSTITUTION FOR SAVINGS

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate	6.11%
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	193 GARDEN ST, NEEDHAM, MA 02492-2322
Transaction Type	Mortgage
Record Updated	Nov 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39981-73
Date	Oct 20, 2021
Book Page	39981/73
Instrument	134381

Lender

Name	NEEDHAM BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	193 GARDEN ST, NEEDHAM, MA 02492-2322
Document Number	35012-363
Book / Page	035012 / 000363
Instrument Date	Mar 24, 2017
Transaction Type	Mortgage
Record Updated	Apr 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35012-363
Date	Mar 31, 2017
Book Page	035012/000363
Instrument	27995

Lender

Name	NAVIGANT CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Mar 30, 2020

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Norfolk County and Needham Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Norfolk County
County Subdivision	Needham Town
Unified School District	Needham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$17,489.00 (+11.42%)	$1,649,900 (+37.07%) Land $672,400 Building $977,500	$1,647,870 (+13.72%)
2024			$1,449,035
2023	$15,696.00	$1,203,700 Land $490,200 Building $713,500

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 May 26, 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	4 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2011 · Tropical Storm Irene

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 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 323 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
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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