Middlesex County and Melrose City property record for 20 Crest Ave, Melrose, MA 02176
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,582 sqft · built 1930 |
| Lot Size | 0.124 acres (5,401 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,050,000 (May 2022) |
| Tax Bill | $10,679 (2026) |
| Deeds & Mortgages | Apr 2025 Line of Credit May 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | MELR M:0A7 P:0000145 |
| Primary APN | MELR M:0A7 P:0000145 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,582 sqft Living Area |
| Gross Area | 2,878 sqft |
| Basement Area | 948 sqft |
| Unfinished Basement | 272 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 5,401 sqft (0.124 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Street Address | 20 CREST AVE |
|---|---|
| City | MELROSE |
| State | MA |
| Zip | 02176-4335 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | URA |
| Jurisdiction | MELROSE MA |
| Township / Civil Division | MELROSE |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 336402 |
20 Crest Ave is owned and occupied by two individuals who bought it in May 2022.
Source: Middlesex County and Melrose City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 CREST AVE, MELROSE, MA 02176-4335 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Apr 22, 2025 | Deed of Trust, Mortgage · Line of Credit EASTERN BANK |
| May 24, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 24, 2022 · Amount on File |
| Deed Sale | May 24, 2022 · Amount on File |
| Prior Sale | Jun 30, 1998 · Amount on File |
| Deed Book / Page | 80171 / 405 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MELROSE MA |
| Property Address | 20 CREST AVE, MELROSE, MA 02176-4335 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 00083994-1 |
|---|---|
| Date | Apr 22, 2025 |
| Book Page | 83994/1 |
| Instrument | 41683 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MELROSE MA |
| Recording Date | May 24, 2022 |
| Property Address | 20 CREST AVE, MELROSE, MA 02176-4335 |
| Document Number | 080171-405 |
| Book / Page | 80171 / 405 |
| Instrument Date | May 24, 2022 |
| Instrument | 77800 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 20 CREST AVE, MELROSE, MA 02176-4335 |
| Document Number | 0000077801 |
|---|---|
| Date | May 24, 2022 |
| Instrument | 77801 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 20 Crest Ave was $10,679, up 21% from the year before.
Source: Middlesex County and Melrose City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Melrose City |
| Unified School District | Melrose School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,679.00 (+20.95%) | $931,000 (+4.4%) Land $501,700 Building $429,300 | $1,047,758 (-8.39%) |
| 2025 | $8,829.00 (+1.24%) | $891,800 (+1.55%) Land $474,600 Building $417,200 | $1,143,705 |
| 2024 | $8,721.00 (+7.4%) | $878,200 (+12.69%) Land $461,000 Building $417,200 | |
| 2023 | $8,120.00 | $779,300 Land $447,500 Building $331,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Crest Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.
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 | 1 in force |
| Nearby Flood Claims | 1 (1979) |
| Most Recent Claim | Jan 1979 · rainfall accumulation |
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.
The area around 20 Crest Ave 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 768 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 |
May also be available: Astound Broadband, AT&T, T-Mobile.
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