20 Beverly St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 20 Beverly St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,873 sqft · built 1910
Lot Size	0.103 acres (4,465 sqft)
Owner	2 Individual Names on File
Last Sale	$985,000 (Mar 2022)
Tax Bill	$10,654 (2026)
Deeds & Mortgages	Dec 2021 Refinance Feb 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:D10 P:0000058`

Property Details

APN / Parcel Number

Primary APN	`MELR M:D10 P:0000058`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,873 sqft Living Area
Gross Area	3,951 sqft
Basement Area	811 sqft
Unfinished Basement	811 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,465 sqft (0.103 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	20 BEVERLY ST
City	MELROSE
State	MA
Zip	02176-2808
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	4015
Census Tract	336202

Owner

20 Beverly St is owned and occupied by two individuals who bought it in March 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	20 BEVERLY ST, MELROSE, MA 02176-2808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance EDWARD T HOLLERAN JR
Feb 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP.
Mar 15, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage METRO CU
Jun 12, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP.

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2022 · Amount on File
Deed Sale	Mar 15, 2022 · Amount on File
Prior Sale	Jan 14, 2016 · Amount on File
Deed Book / Page	79824 / 219
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	20 BEVERLY ST, MELROSE, MA 02176-2808
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079276-543
Date	Dec 3, 2021
Book Page	79276/543
Instrument	262014

Lender

Name	EDWARD T HOLLERAN JR

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	109 Months
Due	Jan 1, 2031

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	20 BEVERLY ST, MELROSE, MA 02176-2808
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	076862-560
Date	Feb 2, 2021
Book Page	76862/560
Instrument	24107

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Mar 15, 2022
Property Address	20 BEVERLY ST, MELROSE, MA 02176-2808
Document Number	079824-219
Book / Page	79824 / 219
Instrument Date	Mar 15, 2022
Instrument	39112
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
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	20 BEVERLY ST, MELROSE, MA 02176-2808

Mortgage

Document Number	0000039113
Date	Mar 15, 2022
Instrument	39113

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	079824-236
Date	Mar 15, 2022
Book Page	79824/236
Instrument	39114

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2042

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	20 BEVERLY ST, MELROSE, MA 02176-2808
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74870-391
Date	Jun 12, 2020
Book Page	74870/391
Instrument	91209

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 20 Beverly St was $10,654, up 12,146% 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	$10,654.00 (+12,145.98%)	$928,900 (+4.65%) Land $469,700 Building $459,200	$1,013,486 (-5.04%)
2025	$87.00 (-98.97%)	$887,600 (+4.29%) Land $442,800 Building $444,800	$1,067,325
2024	$8,451.00 (+0.08%)	$851,100 (+5.02%) Land $416,000 Building $435,100
2023	$8,444.00	$810,400 Land $402,600 Building $407,800

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

Flood

FEMA maps place 20 Beverly St in Zone X, an area of minimal flood risk.

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

The area around 20 Beverly 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 677 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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