232 Highland Ave, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 232 Highland Ave, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,825 sqft · built 1890
Lot Size	0.266 acres (11,600 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Nov 1995)
Tax Bill	$15,398 (2026)
Deeds & Mortgages	Jan 2017 Line of Credit Aug 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`WINC M:004 B:0269 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:004 B:0269 L:0`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	2,825 sqft Living Area
Gross Area	4,577 sqft
Basement Area	1,176 sqft
Unfinished Basement	1,176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,600 sqft (0.266 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	232 HIGHLAND AVE
City	WINCHESTER
State	MA
Zip	01890-2137
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDB
Legal Block	269
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	1
Census Block	1006
Census Tract	338500

Owner

232 Highland Ave is owned and occupied by two individuals who bought it in November 1995.

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

Owner of Record	2 Individual Names on File
Mailing Address	232 HIGHLAND AVE, WINCHESTER, MA 01890-2137
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
Jan 9, 2017	Deed of Trust, Mortgage · Line of Credit BELMONT SAVINGS BANK
Aug 3, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK OF RHODE ISLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 1995 · Amount on File
Deed Sale	Nov 7, 1995 · Amount on File
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	232 HIGHLAND AVE, WINCHESTER, MA 01890-2137
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	68728-29
Date	Jan 9, 2017
Book Page	68728/29
Instrument	3875

Lender

Name	BELMONT SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	228 Months
Due	Jan 1, 2036

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	232 HIGHLAND AVE, WINCHESTER, MA 01890-2137
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75282-444
Date	Aug 3, 2020
Book Page	75282/444
Instrument	129226

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 232 Highland Ave was $15,398, up 9,964.1% from the year before.

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	$15,398.00 (+9,964.05%)	$1,389,700 (+0.64%) Land $921,200 Building $468,500	$1,753,681 (+31.11%)
2025	$153.00 (-98.99%)	$1,380,800 (+2.78%) Land $921,200 Building $459,600	$1,337,600
2024	$15,222.00 (+7.41%)	$1,343,500 (+11.87%) Land $921,200 Building $422,300
2023	$14,172.00	$1,201,000 Land $784,800 Building $416,200

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

Flood

FEMA maps place 232 Highland Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2001.

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

Wildfire risk around 232 Highland Ave is low, with a 0.01% annual chance of 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 279 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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