25 Naples Rd, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 25 Naples Rd, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 957 sqft · built 1945
Lot Size	0.1 acres (4,369 sqft)
Owner	Individual Name on File
Last Sale	$710,000 (Jun 2026)
Tax Bill	$6,908 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0E4 P:0000067`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0E4 P:0000067`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	957 sqft Living Area
Gross Area	2,104 sqft
Basement Area	528 sqft
Unfinished Basement	528 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,369 sqft (0.1 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	25 NAPLES RD
City	MELROSE
State	MA
Zip	02176-5531
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Subdivision	16 CAMBRIDGE TERRACE CONDO
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	4
Census Block	4013
Census Tract	336300

Owner

25 Naples Rd is owned and occupied by an individual who bought it in June 2026.

Source: Middlesex County and Melrose City 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	Individual Name on File
Mailing Address	25 NAPLES RD, MELROSE, MA 02176-5531
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2026	Quit Claim Deed, Transfer · Conventional Mortgage LEADER BANK NA
Aug 20, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE
Jan 6, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2026 · Amount on File
Deed Sale	Jun 18, 2026 · Amount on File
Prior Sale	Aug 20, 2021 · Amount on File
Deed Document Number	20262002115
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Jun 18, 2026
Property Address	25 NAPLES RD, MELROSE, MA 02176-5531
Document Number	0002002115
Instrument Date	May 22, 2026
Instrument	20262002115
Transaction Type	Transfer
Record Updated	Aug 30, 2026

Transaction

Amount	Amount on Record
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
Address	25 NAPLES RD, MELROSE, MA 02176-5531
Investor	Possibly a Property Investor

Mortgage

Date	Jun 18, 2026

Lender

Name	LEADER BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Initial Type	Adjustable Rate
Type Change Date	Jul 1, 2033
Index	1-Year CMT
Margin	3
Max Rate	-1%

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Aug 20, 2021
Property Address	25 NAPLES RD, MELROSE, MA 02176-5531
Document Number	0001891101
Instrument Date	Aug 20, 2021
Instrument	1891101
Transaction Type	Transfer
Record Updated	May 10, 2022

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	Joint Tenants
Address	25 NAPLES RD, MELROSE, MA 02176-5531

Mortgage

Document Number	0001891102
Date	Aug 20, 2021
Instrument	1891102

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Jan 6, 2017
Property Address	25 NAPLES RD, MELROSE, MA 02176-5531
Document Number	0001751113
Instrument Date	Dec 28, 2016
Instrument	1751113
Transaction Type	Transfer
Record Updated	Jan 24, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	25 NAPLES RD MELROSE MA 021765531, MELROSE, MA 02176-5531

Tax Assessment & Valuation

The 2026 property tax bill for 25 Naples Rd was $6,908, up 11,608.5% from the year before.

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	$6,908.00 (+11,608.47%)	$602,300 (+0.92%) Land $415,600 Building $186,700	$656,452 (+6.88%)
2025	$59.00 (-98.95%)	$596,800 (+5.37%) Land $415,600 Building $181,200	$614,175
2024	$5,624.00 (+2.09%)	$566,400 (+7.13%) Land $388,800 Building $177,600
2023	$5,509.00	$528,700 Land $362,000 Building $166,700

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

Flood

FEMA maps place 25 Naples Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 25 Naples 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	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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