262 Main St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 262 Main St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,824 sqft · built 1890
Lot Size	0.167 acres (7,257 sqft)
Owner	2 Individual Names on File
Last Sale	$186,500 (Oct 1998)
Tax Bill	$7,302 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit Aug 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0C5 P:0000021`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0C5 P:0000021`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,824 sqft Living Area
Gross Area	2,352 sqft
Basement Area	700 sqft
Unfinished Basement	280 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Other
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,257 sqft (0.167 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	262 MAIN ST
City	MELROSE
State	MA
Zip	02176-5231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URB
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	2
Census Block	2011
Census Tract	336404

Owner

262 Main St is owned and occupied by two individuals who bought it in October 1998.

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

Owner of Record	2 Individual Names on File
Mailing Address	262 MAIN ST, MELROSE, MA 02176-5231
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Estate

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
Sep 6, 2023	Deed of Trust, Mortgage · Line of Credit CAMBRIDGE SAVINGS BANK
Aug 23, 2017	Deed of Trust, Mortgage MELROSE COOPERATIVE BANK
Dec 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CAMBRIDGE SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 1998 · Amount on File
Deed Sale	Oct 28, 1998 · Amount on File
Prior Sale	May 11, 1998 · Amount on File
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	262 MAIN ST, MELROSE, MA 02176-5231
Transaction Type	Mortgage
Record Updated	Sep 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0081969-87
Date	Sep 6, 2023
Book Page	81969/87
Instrument	100703

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	262 MAIN ST, MELROSE, MA 02176-5231
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69815-69
Date	Aug 23, 2017
Book Page	69815/69
Instrument	135165

Lender

Name	MELROSE COOPERATIVE BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	300 Months
Due	Aug 1, 2042

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	262 MAIN ST, MELROSE, MA 02176-5231
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76559-473
Date	Dec 29, 2020
Book Page	76559/473
Instrument	250520

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 262 Main St was $7,302, up 11,677.4% 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	$7,302.00 (+11,677.42%)	$636,600 (+1.26%) Land $387,200 Building $249,400	$784,063 (+25.47%)
2025	$62.00 (-98.96%)	$628,700 (+5.06%) Land $387,200 Building $241,500	$624,910
2024	$5,942.00 (+2.31%)	$598,400 (+7.36%) Land $362,200 Building $236,200
2023	$5,808.00	$557,400 Land $337,200 Building $220,200

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

Flood

FEMA maps place 262 Main St 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 September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 262 Main St 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	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 802 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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