265 Main St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 265 Main St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,157 sqft · built 1925
Lot Size	0.102 acres (4,456 sqft)
Owner	2 Trust Names on File
Last Sale	$164,000 (Mar 1987)
Tax Bill	$8,599 (2026)
Deeds & Mortgages	Mar 2021 Refinance Jan 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0C5 P:0000035`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0C5 P:0000035`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,157 sqft Living Area
Gross Area	2,842 sqft
Basement Area	977 sqft
Unfinished Basement	488 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Slate
Lot Area	4,456 sqft (0.102 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	265 MAIN ST
City	MELROSE
State	MA
Zip	02176-5233
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URB
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	1
Census Block	1009
Census Tract	336404

Owner

265 Main St is owner-occupied and held in a trust since January 2019.

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

Owner of Record	2 Trust Names on File
Mailing Address	265 MAIN ST, MELROSE, MA 02176-5233
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	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
Mar 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance METRO CU
Jan 23, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 1987 · Amount on File
Deed Sale	Mar 27, 1987 · Amount on File
Last Transfer Date	Jan 16, 2019
Transfer Doc	72153-166
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	265 MAIN ST, MELROSE, MA 02176-5233
Transaction Type	Mortgage
Record Updated	Mar 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	77088-317
Date	Mar 1, 2021
Book Page	77088/317
Instrument	44650

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Jan 23, 2019
Property Address	265 MAIN ST, MELROSE, MA 02176-5233
Document Number	72153-166
Book / Page	072153 / 000166
Instrument Date	Jan 16, 2019
Instrument	9269
Transaction Type	Transfer
Record Updated	Feb 13, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 MAIN ST MELROSE MA 021765233, MELROSE, MA 02176-5233

Tax Assessment & Valuation

The 2026 property tax bill for 265 Main St was $8,599, up 11,679.5% 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	$8,599.00 (+11,679.45%)	$749,700 (+1.31%) Land $395,200 Building $354,500	$723,978 (+6.56%)
2025	$73.00 (-98.97%)	$740,000 (+3.57%) Land $395,200 Building $344,800	$679,440
2024	$7,095.00	$714,500 Land $369,700 Building $344,800

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

Flood

FEMA maps place 265 Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
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 265 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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