245 River Rd, Winthrop, MA 02152 Property Records

Suffolk County and Winthrop Town City property record for 245 River Rd, Winthrop, MA 02152

Property Summary

Property Type	Duplex
Details	3 bd · 2.5 ba · 2,366 sqft · built 1955
Lot Size	0.209 acres (9,108 sqft)
Owner	Individual Name on File
Tax Bill	$9,163 (2026)
Deeds & Mortgages	Aug 2023 Line of Credit Mar 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WINT M:031 L:100`

Property Details

APN / Parcel Number

Primary APN	`WINT M:031 L:100`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Units	2 Units
Stories	2 Stories
Building Area	2,366 sqft Living Area
Gross Area	3,947 sqft
Basement Area	1,378 sqft
Unfinished Basement	1,378 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,108 sqft (0.209 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	245 RIVER RD
City	WINTHROP
State	MA
Zip	02152-1749
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Lot Number	100
Jurisdiction	WINTHROP MA
Township / Civil Division	WINTHROP TOWN
Census Block Group	1
Census Block	1008
Census Tract	180400

Owner

245 River Rd, a duplex, is owned and occupied by an individual who acquired it in July 2016.

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

Owner of Record	Individual Name on File
Mailing Address	245 RIVER RD, WINTHROP, MA 02152-1749
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
Aug 28, 2023	Deed of Trust, Mortgage · Line of Credit METRO CU
Mar 14, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance METRO CU
Aug 2, 2021	Deed of Trust, Mortgage · ARM METRO CU
Jun 15, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance METRO CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2016
Deed Sale	Jul 12, 2016
Prior Sale	Dec 20, 2004 · Amount on File
Deed Document Number	201661286
Deed Book / Page	56411 / 171
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	245 RIVER RD, WINTHROP, MA 02152-1749
Transaction Type	Mortgage
Record Updated	Sep 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069372-252
Date	Aug 28, 2023
Book Page	69372/252
Instrument	54378

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Sep 1, 2048

Interest

Rate Type	Adjustable Rate

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	245 RIVER RD, WINTHROP, MA 02152-1749
Transaction Type	Mortgage
Record Updated	Apr 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067313-94
Date	Mar 14, 2022
Book Page	67313/94
Instrument	21401

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	245 RIVER RD, WINTHROP, MA 02152-1749
Transaction Type	Mortgage
Record Updated	Aug 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66012-239
Date	Aug 2, 2021
Book Page	66012/239
Instrument	86647

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.88%
Type Change Date	Aug 1, 2036
Index	1-Year CMT

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	245 RIVER RD, WINTHROP, MA 02152-1749
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63173-295
Date	Jun 15, 2020
Book Page	63173/295
Instrument	46756

Lender

Name	METRO CU
Type	Credit Union

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 245 River Rd was $9,163, up 13.7% 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	$9,163.00 (+13.73%)	$822,500 (+5.35%) Land $385,300 Building $437,200	$831,013
2025	$8,057.00 (+7.4%)	$780,700 (+8.43%) Land $367,000 Building $413,700
2024	$7,502.00 (-4.21%)	$720,000 (-1.64%) Land $352,700 Building $367,300
2023	$7,832.00	$732,000 Land $322,900 Building $409,100

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

Flood

FEMA maps place 245 River Rd in Zone X, an area of minimal flood risk, within 100 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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 54 individual policies
Nearby Flood Policies	70 units insured incl. 16 condo units
Nearby Flood Claims	117 (1978–2024)
Claims Outside the SFHA	5 of 117
Most Recent Claim	Apr 2024 · other causes
Claims by Event	Extreme Weather Conditons And Flooding, Oct 1996 · 12 claims Winter Coastal Storm, Dec 1992 · 12 claims Coastal Storm, Oct 1991 · 20 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

Wildfire risk around 245 River Rd is low, with less than 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 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 441 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Netafy.

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