20 Charles River St, Needham, MA 02492 Property Records

Norfolk County and Needham Town property record for 20 Charles River St, Needham, MA 02492 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,528 sqft · built 1834
Lot Size	0.493 acres (21,475 sqft)
Owner	2 Company Names on File
Last Sale	$805,000 (Jun 2018)
Tax Bill	$10,986 (2025)
Deeds & Mortgages	May 2020 Refinance Nov 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:2100000300000`

Property Details

APN / Parcel Number

Primary APN	`M:2100000300000`
Alternative APN	`NEED M:210.0 B:0003 L:0000.0`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,528 sqft Living Area
Gross Area	2,447 sqft
1st Floor Area	1,528 sqft
Basement Area	288 sqft
Unfinished Basement	288 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1834
Effective Year Built	Effective 1998
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,475 sqft (0.493 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	20 CHARLES RIVER ST
City	NEEDHAM
State	MA
Zip	02492-1443
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	COUNTY COURT
Legal Block	3
Jurisdiction	NEEDHAM MA
Township / Civil Division	NEEDHAM
Census Block Group	3
Census Block	3023
Census Tract	403300

Owner

Source: Norfolk County and Needham Town records · APN M:2100000300000

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	20 CHARLES RIVER ST, NEEDHAM, MA 02492-1443
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 12, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Nov 20, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jun 15, 2018	Quit Claim Deed, Transfer BANK OF AMERICA
Apr 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 15, 2018 · Amount on Record
Deed Sale	Jun 15, 2018 · Amount on Record
Prior Sale	Jun 01, 2006 · Amount on Record
Deed Book / Page	36059 / 534
Last Transfer Date	Nov 10, 2020
Transfer Doc	38634-107
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	20 CHARLES RIVER ST, NEEDHAM, MA 02492-1443
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37864-361
Date	May 12, 2020
Book Page	37864/361
Instrument	43015

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2050

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEEDHAM MA
Recording Date	Nov 20, 2020
Property Address	20 CHARLES RIVER ST, NEEDHAM, MA 02492-1443
Document Number	38634-107
Book / Page	038634 / 000107
Instrument Date	Nov 10, 2020
Instrument	129799
Transaction Type	Transfer
Record Updated	Dec 09, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	20 CHARLES RIVER ST NEEDHAM MA 024921443, NEEDHAM, MA 02492-1443

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEEDHAM MA
Recording Date	Jun 15, 2018
Property Address	20 CHARLES RIVER ST, NEEDHAM, MA 02492-1443
Document Number	36059-534
Book / Page	036059 / 000534
Instrument Date	Jun 11, 2018
Instrument	48925
Transaction Type	Transfer
Record Updated	Aug 08, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$805.00
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	20 CHARLES RIVER ST NEEDHAM MA 024921443, NEEDHAM, MA 02492-1443

Mortgage

Document Number	36059-536
Date	Jun 15, 2018
Book Page	036059/000536
Instrument	48926

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 14, 2048

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	20 CHARLES RIVER ST, NEEDHAM, MA 02492-1443
Document Number	35043-427
Book / Page	035043 / 000427
Instrument Date	Apr 11, 2017
Transaction Type	Mortgage
Record Updated	May 09, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35043-427
Date	Apr 18, 2017
Book Page	035043/000427
Instrument	32398

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 17, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%

Tax Assessment & Valuation

Source: Norfolk County and Needham Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,986.00 (-2.88%)	$1,036,400 (+19.47%) Land $586,400 Building $450,000	$1,272,050 (+2.68%)
2024			$1,238,800
2023	$11,312.00	$867,500 Land $497,700 Building $369,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Norfolk County (25021C), updated May 26, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250214033003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 18 individual NFIP policies nearby
Nearby Flood Policies	18 in force
Nearby Flood Claims	19 (1978–2023)
Claims Outside the SFHA	19 of 19
Most Recent Claim	Aug 2023, rainfall accumulation

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 65 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fiber	2,300 / 2,300
Xfinity	Cable	2,000 / 2,000
Radiate Holdings	Cable	1,500 / 50

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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