20 Cedar St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 20 Cedar St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,221 sqft · built 1905
Lot Size	0.115 acres (5,027 sqft)
Owner	Individual Name on File
Last Sale	$460,000 (Jul 2015)
Tax Bill	$9,503 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit Oct 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:010 B:0173 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:010 B:0173 L:0`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,221 sqft Living Area
Gross Area	1,981 sqft
Basement Area	651 sqft
Unfinished Basement	651 sqft

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,027 sqft (0.115 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	20 CEDAR ST
City	WINCHESTER
State	MA
Zip	01890-1910
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG
Legal Block	173
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	2
Census Block	2002
Census Tract	338200

Owner

20 Cedar St is owned and occupied by an individual who bought it in July 2015.

Source: Middlesex County and Winchester Town 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	Individual Name on File
Mailing Address	20 CEDAR ST, WINCHESTER, MA 01890-1910
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2023	Deed of Trust, Mortgage · Line of Credit WINCHESTER COOPERATIVE BANK
Oct 24, 2017	Deed of Trust, Mortgage · Line of Credit WINCHESTER COOPERATIVE BANK
May 29, 2020	Deed of Trust, Mortgage · ARM WINCHESTER COOPERATIVE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2015 · Amount on File
Deed Sale	Jul 8, 2015 · Amount on File
Deed Book / Page	65691 / 433
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	20 CEDAR ST, WINCHESTER, MA 01890-1910
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	082014-316
Date	Sep 20, 2023
Book Page	82014/316
Instrument	106111

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2043

Interest

Rate Type	Adjustable Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	20 CEDAR ST, WINCHESTER, MA 01890-1910
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70119-586
Date	Oct 24, 2017
Book Page	70119/586
Instrument	171925

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	20 CEDAR ST, WINCHESTER, MA 01890-1910
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74774-232
Date	May 29, 2020
Book Page	74774/232
Instrument	81726

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	May 26, 2023
Index	3-Year CMT

Tax Assessment & Valuation

The 2026 property tax bill for 20 Cedar St was $9,503, up 10,342.9% from the year before.

Source: Middlesex County and Winchester Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Winchester Town
Unified School District	Winchester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,503.00 (+10,342.86%)	$857,700 (+4.27%) Land $590,300 Building $267,400	$759,269 (-10.43%)
2025	$91.00 (-98.96%)	$822,600 (+6.5%) Land $560,800 Building $261,800	$847,685
2024	$8,751.00 (+2.39%)	$772,400 (+6.64%) Land $531,300 Building $241,100
2023	$8,547.00	$724,300 Land $487,000 Building $237,300

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

Flood

FEMA maps place 20 Cedar St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	8 (1982–2014)
Claims Outside the SFHA	4 of 8
Most Recent Claim	Dec 2014 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims Severe Storms And Flooding, May 2006 · 3 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

Wildfire risk around 20 Cedar St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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	WINCHESTER WATER DEPT serves 22,970 people · EPA ID MA3344000
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 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 504 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband.

Nearby Properties on Cedar St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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