20 Oak St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 20 Oak St, Winchester, MA 01890

Property Summary

Property Type	Condominium
Details	3 bd · 1 ba · 1,142 sqft · built 1910
Owner	Individual Name on File
Last Sale	$210,000 (Aug 2023)
Tax Bill	$2,536 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WINC M:010 B:0545 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:010 B:0545 L:0`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,142 sqft Living Area
Gross Area	1,644 sqft
Basement Area	502 sqft
Unfinished Basement	502 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	20 OAK ST
City	WINCHESTER
State	MA
Zip	01890-2126
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Block	545
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	4
Census Block	4002
Census Tract	338500

Owner

20 Oak St, a condominium, is owned and occupied by an individual who bought it in August 2023.

Source: Middlesex County and Winchester Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	20 OAK ST, WINCHESTER, MA 01890-2126
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2023 · Amount on File
Deed Sale	Aug 16, 2023 · Amount on File
Deed Book / Page	81893 / 346
Prior Transfer Date	Aug 11, 2023
Prior Transfer Doc	081893-346
Record Updated	Oct 29, 2026

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Aug 16, 2023
Property Address	20 OAK ST, WINCHESTER, MA 01890-2126
Document Number	081893-346
Book / Page	81893 / 346
Instrument Date	Aug 11, 2023
Instrument	91898
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20-22 OAK ST # 20, 20, WINCHESTER, MA 01890-2126

Mortgage

Document Number	0000091899
Date	Aug 16, 2023
Instrument	91899

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 20 Oak St was $2,536, up 10,466.7% from the year before.

Source: Middlesex County and Winchester Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Winchester Town
Unified School District	Winchester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,536.00 (+10,466.67%)	$228,900 (+1.78%) Building $228,900	$459,095 (+105.21%)
2025	$24.00 (-99.03%)	$224,900 (+2.55%) Building $224,900	$223,725
2024	$2,485.00 (+0.24%)	$219,300 (+4.38%) Building $219,300
2023	$2,479.00	$210,100 Building $210,100

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

Flood

FEMA maps place 20 Oak St in Zone X, an area of minimal flood risk, though there have been 11 flood claims 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
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	11 (1979–2010)
Claims Outside the SFHA	9 of 11
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 claims Severe Storms And Flooding, May 2006 · 4 claims Heavy Rains And Flooding, Jun 1998 · 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

Wildfire risk around 20 Oak St is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect 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	WINCHESTER WATER DEPT serves 22,970 people · EPA ID MA3344000
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 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 618 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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