2 Spear St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 2 Spear St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,535 sqft · built 1900
Lot Size	0.247 acres (10,772 sqft)
Owner	2 Company Names on Record
Last Sale	$820,000 (Apr 2022)
Tax Bill	$9,470 (2026)
Deeds & Mortgages	Mar 2021 Refinance Apr 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0E3 P:000112B`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0E3 P:000112B`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,535 sqft Living Area
Gross Area	3,712 sqft
Basement Area	864 sqft
Unfinished Basement	173 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,772 sqft (0.247 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2 SPEAR ST
City	MELROSE
State	MA
Zip	02176-5616
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	4
Census Block	4012
Census Tract	336300

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 Company Names on Record
Mailing Address	1 SPEAR ST, MELROSE, MA 02176-5615
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Apr 12, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUILD MORTGAGE CO
Mar 30, 2022	Quit Claim Deed, Transfer
Mar 25, 2020	Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE
Aug 23, 2019	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2022 · Amount on Record
Deed Sale	Apr 12, 2022 · Amount on Record
Prior Sale	Mar 30, 2022 · Amount on Record
Last Transfer Date	Nov 15, 2024
Transfer Doc	0001970784
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	2 SPEAR ST, MELROSE, MA 02176-5616
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001872587
Date	Mar 10, 2021
Instrument	1872587

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

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

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Apr 12, 2022
Property Address	2 SPEAR ST, MELROSE, MA 02176-5616
Document Number	0001911407
Instrument Date	Apr 12, 2022
Instrument	1911407
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Relationship	Tenants by the Entirety
Address	2 SPEAR ST, MELROSE, MA 02176-5616
Investor	Possibly a Property Investor

Mortgage

Document Number	0001911408
Date	Apr 12, 2022
Instrument	1911408

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Mar 30, 2022
Property Address	2 SPEAR ST, MELROSE, MA 02176-5616
Document Number	0001910389
Instrument Date	Mar 24, 2022
Instrument	1910389
Transaction Type	Transfer
Record Updated	Apr 15, 2022

Transaction

Amount	Amount Recorded
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	1201 WESTERN AVE STE 100, 100, SEATTLE, WA 98101-2953

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	2 SPEAR ST, MELROSE, MA 02176-5616
Document Number	0001839280
Instrument Date	Mar 25, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2 SPEAR ST MELROSE MA 021765616, MELROSE, MA 02176-5616

Mortgage

Document Number	0001839280
Date	Mar 30, 2020
Instrument	1839280

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2050

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Aug 23, 2019
Property Address	2 SPEAR ST, MELROSE, MA 02176-5616
Document Number	0000021664
Instrument Date	Aug 22, 2019
Instrument	21664
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,918.40
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2 SPEAR ST MELROSE MA 021765616, MELROSE, MA 02176-5616

Mortgage

Document Number	21665
Date	Aug 23, 2019
Instrument	21665

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 22, 2049

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	$9,470.00 (+11,737.5%)	$825,600 (+1.54%) Land $445,300 Building $380,300	$988,422 (+7.37%)
2025	$80.00 (-98.96%)	$813,100 (+4.78%) Land $445,300 Building $367,800	$920,550
2024	$7,706.00 (+22.34%)	$776,000 (+28.37%) Land $416,600 Building $359,400
2023	$6,299.00	$604,500 Land $349,100 Building $255,400

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 · 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

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 689 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: AT&T, Netafy.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Spear St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures