20 E Highland Ave, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 20 E Highland Ave, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,947 sqft · built 1900
Lot Size	0.172 acres (7,501 sqft)
Owner	2 Individual Names on File
Last Sale	$755,000 (Sep 2022)
Tax Bill	$9,634 (2026)
Deeds & Mortgages	Jul 2025 Mortgage Nov 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:D12 P:0000099`

Property Details

APN / Parcel Number

Primary APN	`MELR M:D12 P:0000099`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,947 sqft Living Area
Gross Area	3,004 sqft
Basement Area	654 sqft
Unfinished Basement	654 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Victorian
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,501 sqft (0.172 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	20 E HIGHLAND AVE
City	MELROSE
State	MA
Zip	02176-1326
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URB
Legal Subdivision	MELROSE
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	3
Census Block	3011
Census Tract	336201

Owner

20 E Highland Ave is owned and occupied by two individuals who bought it in September 2022.

Source: Middlesex County and Melrose City 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	2 Individual Names on File
Mailing Address	20 E HIGHLAND AVE, MELROSE, MA 02176-1326
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2025	Deed of Trust, Mortgage LEOMINSTER EMPLOYEES FCU
Nov 6, 2023	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Sep 29, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAPE COD FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2022 · Amount on File
Deed Sale	Sep 29, 2022 · Amount on File
Prior Sale	Nov 6, 2015 · Amount on File
Deed Book / Page	80770 / 9
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	20 E HIGHLAND AVE, MELROSE, MA 02176-1326
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084358-140
Date	Jul 15, 2025
Book Page	84358/140
Instrument	82077

Lender

Name	LEOMINSTER EMPLOYEES FCU

Agreement

Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2040

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	20 E HIGHLAND AVE, MELROSE, MA 02176-1326
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	082180-102
Date	Nov 6, 2023
Book Page	82180/102
Instrument	126666

Lender

Name	SPRING EQ LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Sep 29, 2022
Property Address	20 E HIGHLAND AVE, MELROSE, MA 02176-1326
Document Number	00080770-9
Book / Page	80770 / 9
Instrument Date	Sep 29, 2022
Instrument	147165
Transaction Type	Transfer
Record Updated	Oct 14, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20 E HIGHLAND AVE, MELROSE, MA 02176-1326

Mortgage

Document Number	0000147166
Date	Sep 29, 2022
Instrument	147166

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.13%
Type Change Date	Oct 1, 2029
Max Rate At Change	2.75%
Index	1-Year CMT

Tax Assessment & Valuation

The 2026 property tax bill for 20 E Highland Ave was $9,634, up 21% from the year before.

Source: Middlesex County and Melrose City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Melrose City
Unified School District	Melrose School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,634.00 (+21.05%)	$839,900 (+4.48%) Land $462,000 Building $377,900	$902,215 (+7.06%)
2025	$7,959.00 (+7.54%)	$803,900 (+7.86%) Land $437,100 Building $366,800	$842,745
2024	$7,401.00 (-0.26%)	$745,300 (+4.66%) Land $424,600 Building $320,700
2023	$7,420.00	$712,100 Land $412,100 Building $300,000

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

Flood

FEMA maps place 20 E Highland Ave in Zone X, an area of minimal flood risk.

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	6 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.

Wildfire

Wildfire risk around 20 E Highland Ave is low, with less than 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 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 677 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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