Middlesex County and Winchester Town property record for 20 Central St, Winchester, MA 01890
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3.5 ba · 3,241 sqft · built 1912 |
| Lot Size | 0.164 acres (7,126 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,439,000 (Aug 2016) |
| Tax Bill | $20,374 (2026) |
| Deeds & Mortgages | May 2022 Refinance May 2022 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WINC M:016 B:0073 L:0 |
| Primary APN | WINC M:016 B:0073 L:0 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 12 Rooms |
| Stories | 3 Stories |
| Building Area | 3,241 sqft Living Area |
| Gross Area | 5,564 sqft |
| Basement Area | 1,023 sqft |
| Unfinished Basement | 1,023 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1912 |
|---|---|
| Effective Year Built | Effective 1912 |
| Architectural Style | Tudor |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,126 sqft (0.164 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 20 CENTRAL ST |
|---|---|
| City | WINCHESTER |
| State | MA |
| Zip | 01890-2630 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RDB |
| Legal Block | 73 |
| Jurisdiction | WINCHESTER MA |
| Township / Civil Division | WINCHESTER |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 338300 |
20 Central St is owned and occupied by two individuals who bought it in August 2016.
Source: Middlesex County and Winchester Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 CENTRAL ST, WINCHESTER, MA 01890-2630 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 27, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK |
| May 27, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK |
| Apr 19, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance HANSCOM FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 23, 2016 · Amount on File |
| Deed Sale | Aug 23, 2016 · Amount on File |
| Prior Sale | Aug 11, 1989 · Amount on File |
| Deed Book / Page | 67867 / 268 |
| Transfer Doc | 067867-268 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER MA |
| Property Address | 20 CENTRAL ST, WINCHESTER, MA 01890-2630 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00080192-1 |
|---|---|
| Date | May 27, 2022 |
| Book Page | 80192/1 |
| Instrument | 80012 |
| Name | CAPE COD FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER MA |
| Property Address | 20 CENTRAL ST, WINCHESTER, MA 01890-2630 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0080192-18 |
|---|---|
| Date | May 27, 2022 |
| Book Page | 80192/18 |
| Instrument | 80013 |
| Name | CAPE COD FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER MA |
| Property Address | 20 CENTRAL ST, WINCHESTER, MA 01890-2630 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 72477-247 |
|---|---|
| Date | Apr 19, 2019 |
| Book Page | 72477/247 |
| Instrument | 48767 |
| Name | HANSCOM FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2049 |
The 2026 property tax bill for 20 Central St was $20,374, up 10,242.1% from the year before.
Source: Middlesex County and Winchester Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Winchester Town |
| Unified School District | Winchester School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $20,374.00 (+10,242.13%) | $1,838,800 (+3.08%) Land $1,084,600 Building $754,200 | $2,133,537 (-1.55%) |
| 2025 | $197.00 (-99.01%) | $1,783,800 (+2.04%) Land $1,053,600 Building $730,200 | $2,167,045 |
| 2024 | $19,806.00 (+3.86%) | $1,748,100 (+8.17%) Land $1,022,600 Building $725,500 | |
| 2023 | $19,069.00 | $1,616,000 Land $960,600 Building $655,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Central St in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1978.
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 |
| Flood Insurance Cost | Premium on File median of 19 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 66 units insured incl. 47 condo units |
| Nearby Flood Claims | 11 (1978–2010) |
| Claims Outside the SFHA | 6 of 11 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 20 Central 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 430 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures