20 Main St, Winthrop, MA 02152 Property Records

Suffolk County and Winthrop Town City property record for 20 Main St, Winthrop, MA 02152

Property Summary

Property Type	Restaurant
Details	1,199 sqft · built 1981
Lot Size	0.248 acres (10,800 sqft)
Owner	Company Name on File
Last Sale	$6,450,000 (Dec 2022)
Tax Bill	$12,641 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Dec 2023 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINT M:052 L:001`

Property Details

APN / Parcel Number

Primary APN	`WINT M:052 L:001`

Interior

Stories	1 Story
Building Area	1,199 sqft Total Area
Gross Area	1,334 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,800 sqft (0.248 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	20 MAIN ST
City	WINTHROP
State	MA
Zip	02152-2714
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Legal Subdivision	ZOLLA 02 CONDO
Legal Lot Number	1
Jurisdiction	WINTHROP MA
Township / Civil Division	WINTHROP TOWN
Census Block Group	1
Census Block	1000
Census Tract	180200

Owner

20 Main St, a commercial property, is owned by a company that bought it in December 2022.

Source: Suffolk County and Winthrop Town 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	Company Name on File
Mailing Address	50 LIBERTY DR, 9F, BOSTON, MA 02210-1348
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Deed of Trust, Mortgage SOUTH SHORE BANK
Dec 28, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance BERKSHIRE BANK
Dec 29, 2022	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2022 · Amount on File
Deed Sale	Dec 29, 2022 · Amount on File
Prior Sale	Sep 22, 1999 · Amount on File
Deed Document Number	2022103140
Deed Book / Page	68572 / 56
Prior Transfer Date	Dec 28, 2022
Prior Transfer Doc	0068572-56
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	20 MAIN ST, WINTHROP, MA 02152-2714
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072583-192
Date	Mar 31, 2026
Book Page	72583/192
Instrument	18144

Lender

Name	SOUTH SHORE BANK

Agreement

Amount	Amount on Record

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	20 MAIN ST, WINTHROP, MA 02152-2714
Transaction Type	Mortgage
Record Updated	Jan 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00069765-5
Date	Dec 28, 2023
Book Page	69765/5
Instrument	83043

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINTHROP MA
Recording Date	Dec 29, 2022
Property Address	20 MAIN ST, WINTHROP, MA 02152-2714
Document Number	0068572-56
Book / Page	68572 / 56
Instrument Date	Dec 28, 2022
Instrument	103140
Transaction Type	Transfer
Record Updated	Jan 13, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 LIBERTY DR # UT, UT, BOSTON, MA 02210-1339
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 20 Main St was $12,641, up 5.8% from the year before.

Source: Suffolk County and Winthrop Town City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Suffolk County
Municipality	Winthrop Town City
Unified School District	Winthrop School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$12,641.00 (+5.84%)	$1,134,700 (-1.96%) Land $716,600 Building $418,100
2025	$11,944.00 (+0.33%)	$1,157,400 (+1.3%) Land $749,200 Building $408,200
2024	$11,905.00 (-2.35%)	$1,142,500 (+0.27%) Land $749,200 Building $393,300
2023	$12,192.00	$1,139,400 Land $749,200 Building $390,200

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 20 Main St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 21, 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
Flood Insurance Cost	Premium on File median of 39 individual policies
Nearby Flood Policies	43 units insured incl. 4 condo units
Nearby Flood Claims	50 (1978–2024)
Claims Outside the SFHA	10 of 50
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims Coastal Storm, Oct 1991 · 2 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 2 claims

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

The area around 20 Main St 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BOSTON WATER AND SEWER COMMISSION (MWRA) serves 675,647 people · EPA ID MA3035000
Water Source	Purchased surface water from MWRA
Last State Inspection	Mar 2026
Lead	6 ppb (2026) 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 2020
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 242 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	1,000 / 75
AT&T Fixed Wireless	100 / 20

May also be available: Netafy.

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