21 Berkeley St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 21 Berkeley St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,618 sqft · built 1967
Lot Size	0.093 acres (4,051 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,789 (2026)
Deeds & Mortgages	Jun 2023 Mortgage Jun 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0E5 P:0000019`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0E5 P:0000019`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,618 sqft Living Area
Gross Area	2,100 sqft
Basement Area	966 sqft
Unfinished Basement	386 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Split Foyer
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,051 sqft (0.093 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Street Address	21 BERKELEY ST
City	MELROSE
State	MA
Zip	02176-5503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URA
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	4
Census Block	4009
Census Tract	336300

Owner

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	2 Individual Names on Record
Mailing Address	21 BERKELEY ST, MELROSE, MA 02176-5503
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2023	Deed of Trust, Mortgage · ARM SECRETARY HOUSING URBAN DEVELOPMENT
Jun 20, 2023	Deed of Trust, Mortgage · ARM MUTUAL OF OMAHA MORTGAGE
Jun 20, 2023	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 25, 2023
Transfer Doc	081669-296
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	21 BERKELEY ST, MELROSE, MA 02176-5503
Transaction Type	Mortgage
Record Updated	Jul 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081669-317
Date	Jun 20, 2023
Book Page	81669/317
Instrument	65437

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	ARM
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	7.24%
Type Change Date	Jul 1, 2023
Index	LIBOR

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	21 BERKELEY ST, MELROSE, MA 02176-5503
Transaction Type	Mortgage
Record Updated	Jul 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081669-300
Date	Jun 20, 2023
Book Page	81669/300
Instrument	65436

Lender

Name	MUTUAL OF OMAHA MORTGAGE

Agreement

Type	ARM
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	7.24%
Type Change Date	Jul 1, 2023
Index	LIBOR

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Jun 20, 2023
Property Address	21 BERKELEY ST, MELROSE, MA 02176-5503
Document Number	081669-296
Book / Page	81669 / 296
Instrument Date	May 25, 2023
Instrument	65435
Transaction Type	Transfer
Record Updated	Jul 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	21 BERKELEY ST, MELROSE, MA 02176-5503

Tax Assessment & Valuation

Source: Middlesex County and Melrose City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Melrose City
Unified School District	Melrose School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,789.00 (+12,462.9%)	$679,100 (+7.3%) Land $467,500 Building $211,600	$648,742 (-17.62%)
2025	$62.00 (-98.96%)	$632,900 (+5.55%) Land $440,800 Building $192,100	$787,455
2024	$5,954.00 (-0.48%)	$599,600 (+4.42%) Land $414,100 Building $185,500
2023	$5,983.00	$574,200 Land $400,700 Building $173,500

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
Nearby Flood Policies	2 in force

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	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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 723 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 / 250
Netafy Fixed Wireless	520 / 116

May also be available: T-Mobile.

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