218 Cliff Ave, Winthrop, MA 02152 Property Records

Suffolk County and Winthrop Town City property record for 218 Cliff Ave, Winthrop, MA 02152

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,306 sqft · built 1890
Lot Size	0.137 acres (5,981 sqft)
Owner	2 Individual Names on File
Last Sale	$921,000 (May 2023)
Tax Bill	$9,954 (2026)
Deeds & Mortgages	Apr 2021 Refinance Nov 2025 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`WINT M:074 L:011`

Property Details

APN / Parcel Number

Primary APN	`WINT M:074 L:011`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,306 sqft Living Area
Gross Area	4,586 sqft
Basement Area	1,118 sqft
Unfinished Basement	1,118 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,981 sqft (0.137 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	218 CLIFF AVE
City	WINTHROP
State	MA
Zip	02152-1045
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	11
Jurisdiction	WINTHROP MA
Township / Civil Division	WINTHROP TOWN
Census Block Group	2
Census Block	2005
Census Tract	180101

Owner

218 Cliff Ave is owned and occupied by two individuals who bought it in May 2023.

Source: Suffolk County and Winthrop Town City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	218 CLIFF AVE, WINTHROP, MA 02152-1045
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance STONINGTON CAPITAL
Nov 3, 2025	Deed of Trust, Mortgage · Line of Credit CAMBRIDGE SAVINGS BANK
May 3, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage INSTITUTION FOR SAVINGS NEWBURYPORT
May 27, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MSA LENDING LLC
Jun 26, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE MORTGAGE
May 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE MORTGAGE
Oct 22, 2020	Quit Claim Deed, Transfer · Conventional with PMI STONINGTON CAP
Jan 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2023 · Amount on File
Deed Sale	May 3, 2023 · Amount on File
Prior Sale	May 27, 2021 · Amount on File
Deed Book / Page	68944 / 344
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	218 CLIFF AVE, WINTHROP, MA 02152-1045
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065291-291
Date	Apr 22, 2021
Book Page	65291/291
Instrument	43984

Lender

Name	STONINGTON CAPITAL

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	218 CLIFF AVE, WINTHROP, MA 02152-1045
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072055-223
Date	Nov 3, 2025
Book Page	72055/223
Instrument	70385

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINTHROP MA
Recording Date	May 3, 2023
Property Address	218 CLIFF AVE, WINTHROP, MA 02152-1045
Document Number	068944-344
Book / Page	68944 / 344
Instrument Date	May 3, 2023
Instrument	26063
Transaction Type	Transfer
Record Updated	May 19, 2023

Transaction

Amount	Amount on Record
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	Tenants in Common
Address	218 CLIFF AVE, WINTHROP, MA 02152-1045

Mortgage

Document Number	0000026064
Date	May 3, 2023
Instrument	26064

Lender

Name	INSTITUTION FOR SAVINGS NEWBURYPORT
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINTHROP MA
Recording Date	May 27, 2021
Property Address	218 CLIFF AVE, WINTHROP, MA 02152-1045
Document Number	65557-198
Book / Page	65557 / 198
Instrument Date	May 26, 2021
Instrument	59312
Transaction Type	Transfer
Record Updated	Jun 11, 2021

Transaction

Amount	Amount on Record
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
Address	218 CLIFF AVE, WINTHROP, MA 02152-1045

Mortgage

Document Number	59313
Date	May 27, 2021
Instrument	59313

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	218 CLIFF AVE, WINTHROP, MA 02152-1045
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61328-39
Date	Jun 26, 2019
Book Page	61328/39
Instrument	50875

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	218 CLIFF AVE, WINTHROP, MA 02152-1045
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63020-135
Date	May 18, 2020
Book Page	63020/135
Instrument	38726

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINTHROP MA
Recording Date	Oct 22, 2020
Property Address	218 CLIFF AVE, WINTHROP, MA 02152-1045
Document Number	64011-233
Book / Page	064011 / 000233
Instrument Date	Oct 15, 2020
Instrument	92006
Transaction Type	Transfer
Record Updated	Nov 10, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,508.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4 REVERE ST WINTHROP MA 021521615, WINTHROP, MA 02152-1615

Mortgage

Document Number	64011-236
Date	Oct 22, 2020
Book Page	064011/000236
Instrument	92007

Lender

Name	STONINGTON CAP

Agreement

Type	Conventional with PMI
Amount	Amount on Record

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	218 CLIFF AVE, WINTHROP, MA 02152-1045
Document Number	59162-222
Instrument Date	Jan 30, 2018
Transaction Type	Mortgage
Record Updated	Feb 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	59162-222
Date	Feb 7, 2018
Book Page	059162/000222
Instrument	10510

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 6, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 218 Cliff Ave was $9,954, up 14.6% from the year before.

Source: Suffolk County and Winthrop Town City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Suffolk County
Municipality	Winthrop Town City
Unified School District	Winthrop School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,954.00 (+14.56%)	$893,500 (+6.12%) Land $413,300 Building $480,200	$936,712
2025	$8,689.00 (-5.63%)	$842,000 (-4.71%) Land $393,600 Building $448,400
2024	$9,207.00 (+7.18%)	$883,600 (+10.06%) Land $394,800 Building $488,800	$922,925
2023	$8,590.00	$802,800 Land $355,300 Building $447,500

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

Flood

FEMA maps place 218 Cliff Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	25 (1978–2018)
Claims Outside the SFHA	16 of 25
Most Recent Claim	Aug 2018 · other causes
Claims by Event	Winter Coastal Storm, Dec 1992 · 3 claims Coastal Storm, Oct 1991 · 5 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 3 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

The area around 218 Cliff Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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	WINTHROP WATER DIVISION, (MWRA) serves 19,316 people · EPA ID MA3346000
Water Source	Purchased surface water from MWRA
Last State Inspection	Dec 2023
Lead	8 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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