198 Sprague St, Dedham, MA 02026 Property Records

Norfolk County and Dedham Town property record for 198 Sprague St, Dedham, MA 02026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 988 sqft · built 1953
Lot Size	0.229 acres (9,969 sqft)
Owner	Individual Name on Record
Last Sale	$453,100 (Aug 2019)
Tax Bill	$7,421 (2026)
Deeds & Mortgages	Dec 2023 Line of Credit Nov 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`DEDH M:0168 L:0075`

Property Details

APN / Parcel Number

Primary APN	`DEDH M:0168 L:0075`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	988 sqft Living Area
Gross Area	2,671 sqft
1st Floor Area	988 sqft
Basement Area	988 sqft
Unfinished Basement	364 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,969 sqft (0.229 acres)
Garage Type	Carport
Carport	Carport
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	198 SPRAGUE ST
City	DEDHAM
State	MA
Zip	02026-5224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
Legal Subdivision	FAIRVIEW
Legal Lot Number	75
Jurisdiction	DEDHAM MA
Township / Civil Division	DEDHAM
Census Block Group	2
Census Block	2014
Census Tract	402300

Owner

Source: Norfolk County and Dedham Town 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	Individual Name on Record
Mailing Address	198 SPRAGUE ST, DEDHAM, MA 02026-5224
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Nov 25, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HOMEBRIDGE FINANCIAL SERVICES INC
Aug 1, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2019 · Amount on Record
Deed Sale	Aug 1, 2019 · Amount on Record
Prior Sale	Oct 30, 2014 · Amount on Record
Deed Document Number	201965896
Deed Book / Page	37022 / 322
Prior Transfer Date	Jul 28, 2019
Prior Transfer Doc	37022-322
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEDHAM MA
Property Address	198 SPRAGUE ST, DEDHAM, MA 02026-5224
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041546-251
Date	Dec 7, 2023
Book Page	41546/251
Instrument	80744

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEDHAM MA
Property Address	198 SPRAGUE ST, DEDHAM, MA 02026-5224
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38658-452
Date	Nov 25, 2020
Book Page	38658/452
Instrument	132488

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DEDHAM MA
Recording Date	Aug 1, 2019
Property Address	198 SPRAGUE ST, DEDHAM, MA 02026-5224
Document Number	37022-322
Book / Page	37022 / 322
Instrument Date	Jul 28, 2019
Instrument	65896
Transaction Type	Transfer
Record Updated	May 12, 2021

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	198 SPRAGUE ST, DEDHAM, MA 02026-5224

Mortgage

Document Number	65897
Date	Aug 1, 2019
Instrument	65897

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,421.00 (+14.01%)	$603,300 (+16.96%) Land $329,500 Building $273,800	$640,978 (+1.32%)
2025	$6,509.00 (+2.5%)	$515,800 (+1.54%) Land $278,000 Building $237,800	$632,605 (+10.41%)
2024	$6,350.00 (+7.19%)	$508,000 (+10.1%) Land $263,300 Building $244,700	$572,945
2023	$5,924.00	$461,400 Land $233,800 Building $227,600

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
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	15 (1978–2014)
Claims Outside the SFHA	3 of 15
Most Recent Claim	Dec 2014 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 4 claims Severe Storms And Flooding, Mar 2001 · 2 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 2 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

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	DEDHAM WESTWOOD WATER DIST. serves 41,630 people · EPA ID MA3073000
Water Source	Purchased surface water from MWRA
Last State Inspection	Apr 2025
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2021
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 648 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
Netafy Fixed Wireless	150 / 150

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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