Middlesex County and Melrose City property record for 20 Youle St, Melrose, MA 02176
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 2,109 sqft · built 1874 |
| Lot Size | 0.115 acres (5,001 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $456,000 (Jul 2014) |
| Tax Bill | $10,146 (2026) |
| Deeds & Mortgages | Aug 2023 Mortgage Oct 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | MELR M:B10 P:0000057 |
| Primary APN | MELR M:B10 P:0000057 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,109 sqft Living Area |
| Gross Area | 3,952 sqft |
| Basement Area | 1,160 sqft |
| Unfinished Basement | 1,160 sqft |
| Year Built | Built 1874 |
|---|---|
| Effective Year Built | Effective 1874 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 5,001 sqft (0.115 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 20 YOULE ST |
|---|---|
| City | MELROSE |
| State | MA |
| Zip | 02176-2626 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | URA |
| Jurisdiction | MELROSE MA |
| Township / Civil Division | MELROSE |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 336100 |
Source: Middlesex County and Melrose City 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 | Individual Name on Record |
|---|---|
| Mailing Address | 20 YOULE ST, MELROSE, MA 02176-2626 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 15, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) HARVARD UNIVERSITY CREDIT UNION |
| Oct 7, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance HARVARD UNIVERSITY CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 25, 2014 · Amount on Record |
| Deed Sale | Jul 25, 2014 · Amount on Record |
| Prior Sale | Apr 30, 1998 · Amount on Record |
| Deed Book / Page | 63969 / 203 |
| Transfer Doc | 063969-203 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MELROSE MA |
| Property Address | 20 YOULE ST, MELROSE, MA 02176-2626 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 081890-326 |
|---|---|
| Date | Aug 15, 2023 |
| Book Page | 81890/326 |
| Instrument | 91528 |
| Name | HARVARD UNIVERSITY CREDIT UNION |
|---|
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MELROSE MA |
| Property Address | 20 YOULE ST, MELROSE, MA 02176-2626 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 75828-550 |
|---|---|
| Date | Oct 7, 2020 |
| Book Page | 75828/550 |
| Instrument | 181334 |
| Name | HARVARD UNIVERSITY CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
Source: Middlesex County and Melrose City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Melrose City |
| Unified School District | Melrose School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,146.00 (+12,124.1%) | $884,600 (+5.46%) Land $472,500 Building $412,100 | $850,305 |
| 2025 | $83.00 (-98.94%) | $838,800 (+6.03%) Land $445,500 Building $393,300 | |
| 2024 | $7,856.00 (-1.6%) | $791,100 (+3.25%) Land $418,500 Building $372,600 | |
| 2023 | $7,984.00 | $766,200 Land $405,000 Building $361,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 361 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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