26 Prospect St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 26 Prospect St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 5,168 sqft · built 2018
Lot Size	0.458 acres (19,946 sqft)
Owner	2 Trust Names on File
Last Sale	$685,000 (Nov 2016)
Tax Bill	$19,960 (2026)
Deeds & Mortgages	Jan 2024 Transfer Jan 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0A8 P:0000032`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0A8 P:0000032`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	5,168 sqft Living Area
Gross Area	9,484 sqft
Basement Area	2,684 sqft
Unfinished Basement	2,447 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,946 sqft (0.458 acres)
Garage Type	Basement
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	26 PROSPECT ST
City	MELROSE
State	MA
Zip	02176-3012
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URA
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	2
Census Block	2000
Census Tract	336402

Owner

26 Prospect St is owner-occupied and held in a trust since November 2023.

Source: Middlesex County and Melrose City records, as of October 20, 2026

Owner of Record	2 Trust Names on File
Mailing Address	26 PROSPECT ST, MELROSE, MA 02176-3012
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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 8, 2024	Quit Claim Deed, Transfer Quitclaim
Jan 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Dec 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage PAWTUCKET CU
Jan 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage PAWTUCKET CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2016 · Amount on File
Deed Sale	Nov 10, 2016 · Amount on File
Prior Sale	May 20, 1988 · Amount on File
Deed Document Number	2016202349
Deed Book / Page	68384 / 168
Last Transfer Date	Nov 16, 2023
Transfer Doc	082378-481
Record Updated	Oct 29, 2026

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Jan 8, 2024
Property Address	26 PROSPECT ST, MELROSE, MA 02176-3012
Document Number	082378-481
Book / Page	82378 / 481
Instrument Date	Nov 16, 2023
Instrument	2173
Transaction Type	Transfer
Record Updated	Jan 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26 PROSPECT ST, MELROSE, MA 02176-3012

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	26 PROSPECT ST, MELROSE, MA 02176-3012
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76633-412
Date	Jan 6, 2021
Book Page	76633/412
Instrument	3232

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Feb 1, 2031

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	26 PROSPECT ST, MELROSE, MA 02176-3012
Document Number	72089-504
Instrument Date	Dec 15, 2018
Transaction Type	Mortgage
Record Updated	Jan 22, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26 PROSPECT ST MELROSE MA 021763012, MELROSE, MA 02176-3012

Mortgage

Document Number	72089-504
Date	Jan 3, 2019
Book Page	072089/000504
Instrument	1161

Lender

Name	PAWTUCKET CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	26 PROSPECT ST, MELROSE, MA 02176-3012
Document Number	68764-399
Book / Page	068764 / 000399
Instrument Date	Jan 10, 2017
Transaction Type	Mortgage
Record Updated	Feb 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	68764-399
Date	Jan 17, 2017
Book Page	068764/000399
Instrument	8244

Lender

Name	PAWTUCKET CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 16, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 26 Prospect St was $19,960, up 11,924.1% 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	$19,960.00 (+11,924.1%)	$1,740,200 (+3.22%) Land $557,500 Building $1,182,700	$1,579,937 (-2.85%)
2025	$166.00 (-98.98%)	$1,685,900 (+3.15%) Land $527,500 Building $1,158,400	$1,626,305
2024	$16,230.00 (+0.92%)	$1,634,400 (+5.9%) Land $512,500 Building $1,121,900
2023	$16,082.00	$1,543,400 Land $497,300 Building $1,046,100

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

Flood

FEMA maps place 26 Prospect St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

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	1 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Jan 1979 · 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 26 Prospect St 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 768 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 / 2,000
Netafy Fixed Wireless	476 / 106

May also be available: Astound Broadband, AT&T, T-Mobile.

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