21 Willowdale Rd, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 21 Willowdale Rd, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,835 sqft · built 1960
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,170,000 (Jul 2026)
Tax Bill	$20,593 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:006 B:0216 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:006 B:0216 L:0`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,835 sqft Living Area
Gross Area	5,712 sqft
1st Floor Area	1,025 sqft
Basement Area	1,662 sqft
Unfinished Basement	1,163 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 2018
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,001 sqft (0.23 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	21 WILLOWDALE RD
City	WINCHESTER
State	MA
Zip	01890-4028
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDB
Legal Block	216
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	1
Census Block	1023
Census Tract	338500

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	21 WILLOWDALE RD, WINCHESTER, MA 01890-4028
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Quit Claim Deed, Transfer · Conventional Mortgage US BANK
Oct 18, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
May 12, 2018	Deed of Trust, Mortgage WINCHESTER BK
Jul 31, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2026 · Amount on Record
Deed Sale	Jul 31, 2026 · Amount on Record
Prior Sale	Jul 19, 2004 · Amount on Record
Deed Document Number	202696342
Deed Book / Page	85960 / 49
Prior Transfer Date	Jul 28, 2026
Prior Transfer Doc	0000096342
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Jul 31, 2026
Property Address	21 WILLOWDALE RD, WINCHESTER, MA 01890-4028
Document Number	0000096342
Book / Page	85960 / 49
Instrument Date	Jul 28, 2026
Instrument	202696342
Transaction Type	Transfer
Record Updated	Aug 31, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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
Relationship	Tenants by the Entirety
Address	21 WILLOWDALE RD, WINCHESTER, MA 01890-4028

Mortgage

Date	Jul 31, 2026

Lender

Name	US BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Initial Type	Adjustable Rate
Type Change Date	Aug 1, 2033
Index	1-Year CMT
Margin	3
Max Rate	-1%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	21 WILLOWDALE RD, WINCHESTER, MA 01890-4028
Document Number	73521-301
Instrument Date	Oct 18, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 WILLOWDALE RD WINCHESTER MA 018904028, WINCHESTER, MA 01890-4028

Mortgage

Document Number	73521-301
Date	Oct 25, 2019
Book Page	073521/000301
Instrument	164915

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2049

Interest

Rate Type	Adjustable Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	21 WILLOWDALE RD, WINCHESTER, MA 01890-4028
Document Number	71040-36
Instrument Date	May 12, 2018
Transaction Type	Mortgage
Record Updated	Jun 14, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 WILLOWDALE RD WINCHESTER MA 018904028, WINCHESTER, MA 01890-4028

Mortgage

Document Number	71040-36
Date	May 22, 2018
Book Page	071040/000036
Instrument	71422

Lender

Name	WINCHESTER BK

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 21, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	21 WILLOWDALE RD, WINCHESTER, MA 01890-4028
Document Number	69754-542
Instrument Date	Jul 31, 2017
Transaction Type	Mortgage
Record Updated	Aug 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69754-542
Date	Aug 11, 2017
Book Page	069754/000542
Instrument	128139

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 10, 2047

Interest

Rate Type	Adjustable Rate

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	$20,593.00 (+9,994.61%)	$1,858,600 (+0.99%) Land $924,000 Building $934,600	$2,123,288 (+11.57%)
2025	$204.00 (-98.94%)	$1,840,300 (+7.88%) Land $924,000 Building $916,300	$1,903,040
2024	$19,328.00 (+2.8%)	$1,705,900 (+7.07%) Land $858,000 Building $847,900
2023	$18,801.00	$1,593,300 Land $759,000 Building $834,300

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	5 in force
Nearby Flood Claims	2 (2001–2012)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2012 · 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	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.

Cell Coverage

5G and 4G LTE (outdoors only)

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