20 Surrey Ln, Needham, MA 02492 Property Records

Norfolk County and Needham Town property record for 20 Surrey Ln, Needham, MA 02492

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,504 sqft · built 1979
Lot Size	0.301 acres (13,112 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,175,000 (Jun 2018)
Tax Bill	$16,764 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Oct 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:0420002400020`

Property Details

APN / Parcel Number

Primary APN	`M:0420002400020`
Alternative APN	`NEED M:042.0 B:0024 L:0002.0`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,504 sqft Living Area
Gross Area	2,814 sqft
1st Floor Area	1,504 sqft
Basement Area	988 sqft
Unfinished Basement	208 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2000
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,112 sqft (0.301 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	20 SURREY LN
City	NEEDHAM
State	MA
Zip	02492-2852
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRB
Legal Subdivision	NEEDHAM
Legal Block	24
Legal Lot Number	2.0
Jurisdiction	NEEDHAM MA
Township / Civil Division	NEEDHAM
Census Block Group	2
Census Block	2007
Census Tract	403300

Owner

Source: Norfolk County and Needham Town records, as of July 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 SURREY LN, NEEDHAM, MA 02492-2852
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2024	Deed of Trust, Mortgage · Line of Credit CAMBRIDGE SAVINGS BANK
Oct 19, 2020	Deed of Trust, Mortgage · Line of Credit CAMBRIDGE SAVINGS BANK
Jun 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CAMBRIDGE SAVINGS BANK
Jun 14, 2018	Quit Claim Deed, Transfer GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2018 · Amount on Record
Deed Sale	Jun 14, 2018 · Amount on Record
Prior Sale	Apr 30, 2010 · Amount on Record
Deed Book / Page	36057 / 406
Transfer Doc	036057-406
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	20 SURREY LN, NEEDHAM, MA 02492-2852
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041746-347
Date	Apr 29, 2024
Book Page	41746/347
Instrument	24740

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Adjustable Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	20 SURREY LN, NEEDHAM, MA 02492-2852
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38491-428
Date	Oct 19, 2020
Book Page	38491/428
Instrument	113357

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	20 SURREY LN, NEEDHAM, MA 02492-2852
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38044-17
Date	Jun 30, 2020
Book Page	38044/17
Instrument	62835

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEEDHAM MA
Recording Date	Jun 14, 2018
Property Address	20 SURREY LN, NEEDHAM, MA 02492-2852
Document Number	36057-406
Book / Page	036057 / 000406
Instrument Date	Jun 7, 2018
Instrument	48643
Transaction Type	Transfer
Record Updated	Aug 8, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,175.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 SURREY LN NEEDHAM MA 024922852, NEEDHAM, MA 02492-2852

Mortgage

Document Number	36057-408
Date	Jun 14, 2018
Book Page	036057/000408
Instrument	48644

Lender

Name	GUARANTEED RATE

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 2048

Tax Assessment & Valuation

Source: Norfolk County and Needham Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Norfolk County
County Subdivision	Needham Town
Unified School District	Needham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$16,764.00 (+13.52%)	$1,581,500 (+39.65%) Land $763,100 Building $818,400	$1,714,370 (+5.18%)
2024			$1,630,010
2023	$14,768.00	$1,132,500 Land $534,500 Building $598,000

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 May 26, 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
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2023 · rainfall accumulation

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	Direct burnable vegetation

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	NEEDHAM WATER DEPT serves 31,664 people · EPA ID MA3199000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jun 2024
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50

May also be available: AT&T, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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