198 Melrose St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 198 Melrose St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,959 sqft · built 1900
Lot Size	0.266 acres (11,587 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Feb 2002)
Tax Bill	$9,949 (2026)
Deeds & Mortgages	Mar 2021 Refinance Mar 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:B11 P:0000043`

Property Details

APN / Parcel Number

Primary APN	`MELR M:B11 P:0000043`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,959 sqft Living Area
Gross Area	4,228 sqft
Basement Area	1,371 sqft
Unfinished Basement	1,371 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Bungalow
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	11,587 sqft (0.266 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	198 MELROSE ST
City	MELROSE
State	MA
Zip	02176-1720
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URA
Legal Subdivision	MELROSE
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	4
Census Block	4000
Census Tract	336100

Owner

Source: Middlesex County and Melrose City 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	198 MELROSE ST, MELROSE, MA 02176-1720
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP.
Mar 19, 2021	Quit Claim Deed, Transfer Quitclaim
Feb 16, 2021	Quit Claim Deed, Transfer Quitclaim
Jan 15, 2019	Deed of Trust, Mortgage · Balloon Mortgage EASTERN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2002 · Amount on Record
Deed Sale	Feb 8, 2002 · Amount on Record
Prior Sale	Jul 1, 1992 · Amount on Record
Deed Document Number	20021064
Last Transfer Date	Mar 18, 2021
Transfer Doc	77268-344
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	198 MELROSE ST, MELROSE, MA 02176-1720
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	77236-478
Date	Mar 16, 2021
Book Page	77236/478
Instrument	58220

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

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

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Mar 19, 2021
Property Address	198 MELROSE ST, MELROSE, MA 02176-1720
Document Number	77268-344
Book / Page	77268 / 344
Instrument Date	Mar 18, 2021
Instrument	61292
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
Relationship	Tenants by the Entirety
Address	198 MELROSE ST, MELROSE, MA 02176-1720

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Feb 16, 2021
Property Address	198 MELROSE ST, MELROSE, MA 02176-1720
Document Number	76974-37
Book / Page	76974 / 37
Instrument Date	Feb 8, 2021
Instrument	34741
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	198 MELROSE ST, MELROSE, MA 02176-1720
Investor	Possibly a Property Investor

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	198 MELROSE ST, MELROSE, MA 02176-1720
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72127-65
Date	Jan 15, 2019
Book Page	72127/65
Instrument	5946

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$9,949.00 (+12,336.25%)	$867,400 (+6.16%) Land $483,800 Building $383,600	$929,165 (+5.7%)
2025	$80.00 (-98.99%)	$817,100 (+2.86%) Land $457,600 Building $359,500	$879,035
2024	$7,888.00 (+1.48%)	$794,400 (+6.49%) Land $444,600 Building $349,800
2023	$7,773.00	$746,000 Land $431,500 Building $314,500

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 September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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 645 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, AT&T.

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