Middlesex County and Melrose City property record for 20 E Emerson St, Melrose, MA 02176
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 2 bd · 1.5 ba · 2,769 sqft · built 1924 |
| Lot Size | 0.277 acres (12,066 sqft) |
| Owner | Company Name on Record |
| Last Sale | $473,000 (Jun 2002) |
| Tax Bill | $17,075 (2026) |
| Deeds & Mortgages | Jul 2021 Mortgage Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:0D8 P:0015=16 |
| Primary APN | M:0D8 P:0015=16 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 2,769 sqft Total Area |
| Gross Area | 5,208 sqft |
| Basement Area | 1,792 sqft |
| Unfinished Basement | 1,792 sqft |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,066 sqft (0.277 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 20 E EMERSON ST |
|---|---|
| City | MELROSE |
| State | MA |
| Zip | 02176-3521 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Local Zoning Code | BD |
| Jurisdiction | MELROSE MA |
| Township / Civil Division | MELROSE |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 336202 |
Source: Middlesex County and Melrose City records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 16 BURROUGHS RD, LEXINGTON, MA 02420-1908 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jul 23, 2021 | Deed of Trust, Mortgage · Commercial Mortgage AVIDIA BANK |
| Jul 23, 2021 | Deed of Trust, Mortgage · Commercial Mortgage AVIDIA BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 20, 2002 · Amount on Record |
| Deed Sale | Jun 20, 2002 · Amount on Record |
| Prior Sale | May 6, 1993 · Amount on Record |
| Deed Document Number | 20021065 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MELROSE MA |
| Property Address | 20 E EMERSON ST, MELROSE, MA 02176-3521 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 078312-410 |
|---|---|
| Date | Jul 23, 2021 |
| Book Page | 78312/410 |
| Instrument | 166034 |
| Name | AVIDIA BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MELROSE MA |
| Property Address | 20 E EMERSON ST, MELROSE, MA 02176-3521 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 078312-423 |
|---|---|
| Date | Jul 23, 2021 |
| Book Page | 78312/423 |
| Instrument | 166035 |
| Name | AVIDIA BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
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 |
|---|---|---|
| 2026 | $17,075.00 | $828,500 (+2.68%) Land $455,000 Building $373,500 |
| 2025 | $806,900 (+6.96%) Land $445,300 Building $361,600 | |
| 2024 | $754,400 (+9.94%) Land $426,000 Building $328,400 | |
| 2023 | $686,200 Land $396,900 Building $289,300 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
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.
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 361 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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