20 Stowell Rd, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 20 Stowell Rd, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,277 sqft · built 1928
Lot Size	0.215 acres (9,387 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,400,000 (Jul 2023)
Tax Bill	$15,420 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:006 B:0379 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:006 B:0379 L:0`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,277 sqft Living Area
Gross Area	3,329 sqft
Basement Area	1,209 sqft
Unfinished Basement	846 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	9,387 sqft (0.215 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	20 STOWELL RD
City	WINCHESTER
State	MA
Zip	01890-3912
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDB
Legal Subdivision	WINCHESTER
Legal Block	379
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	2
Census Block	2009
Census Tract	338500

Owner

Source: Middlesex County and Winchester Town 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	2 Individual Names on Record
Mailing Address	20 STOWELL RD, WINCHESTER, MA 01890-3912
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC
Jul 29, 2020	Deed of Trust, Mortgage · ARM JPMORGAN CHASE BANK NA
Jul 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2023 · Amount on Record
Deed Sale	Jul 7, 2023 · Amount on Record
Prior Sale	Jul 1, 1997 · Amount on Record
Deed Document Number	202374499
Deed Book / Page	81745 / 481
Record Updated	Oct 29, 2026

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Jul 7, 2023
Property Address	20 STOWELL RD, WINCHESTER, MA 01890-3912
Document Number	081745-481
Book / Page	81745 / 481
Instrument Date	Jul 7, 2023
Instrument	74499
Transaction Type	Transfer
Record Updated	Jul 21, 2023

Transaction

Amount	Amount Recorded
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	Joint Tenants with Right of Survivorship
Address	20 STOWELL RD, WINCHESTER, MA 01890-3912

Mortgage

Document Number	0000074500
Date	Jul 7, 2023
Instrument	74500

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Aug 1, 2028
Max Rate At Change	3%
Index	Other
Margin	3

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	20 STOWELL RD, WINCHESTER, MA 01890-3912
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	075233-235
Date	Jul 29, 2020
Book Page	75233/235
Instrument	124456

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.13%
Type Change Date	Aug 1, 2030
Index	LIBOR

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	20 STOWELL RD, WINCHESTER, MA 01890-3912
Document Number	71371-84
Instrument Date	Jul 19, 2018
Transaction Type	Mortgage
Record Updated	Aug 14, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 STOWELL RD WINCHESTER MA 018903912, WINCHESTER, MA 01890-3912

Mortgage

Document Number	71371-84
Date	Jul 25, 2018
Book Page	071371/000084
Instrument	111891

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 2048

Tax Assessment & Valuation

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	$15,420.00 (+10,044.74%)	$1,391,700 (+0.9%) Land $912,000 Building $479,700	$1,454,593 (-1.87%)
2025	$152.00 (-98.95%)	$1,379,300 (+7.83%) Land $912,000 Building $467,300	$1,482,380
2024	$14,492.00 (+1.75%)	$1,279,100 (+5.97%) Land $846,900 Building $432,200
2023	$14,243.00	$1,207,000 Land $781,700 Building $425,300

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

Flood

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2001–2006)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2006 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 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

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 489 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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