27 Elm St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 27 Elm St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,007 sqft · built 1900
Lot Size	0.041 acres (1,799 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Jun 2025)
Tax Bill	$8,050 (2026)
Deeds & Mortgages	Jun 2025 Sale & Mortgage Feb 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`WINC M:004 B:0207 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:004 B:0207 L:0`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,007 sqft Living Area
Gross Area	1,573 sqft
Basement Area	514 sqft
Unfinished Basement	514 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,799 sqft (0.041 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	27 ELM ST
City	WINCHESTER
State	MA
Zip	01890-2843
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG
Legal Block	207
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	4
Census Block	4014
Census Tract	338500

Owner

27 Elm St is owned and occupied by two individuals who bought it in June 2025.

Source: Middlesex County and Winchester Town 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	2 Individual Names on File
Mailing Address	27 ELM ST, WINCHESTER, MA 01890-2843
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ENTERPRISE BANK & TRUST CO
Feb 14, 2019	Deed of Trust, Mortgage · Line of Credit SANTANDER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2025 · Amount on File
Deed Sale	Jun 24, 2025 · Amount on File
Prior Sale	Jan 9, 1989 · Amount on File
Deed Book / Page	84264 / 418
Prior Transfer Date	Jun 23, 2025
Prior Transfer Doc	084264-418
Record Updated	Oct 29, 2026

June 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Jun 24, 2025
Property Address	27 ELM ST, WINCHESTER, MA 01890-2843
Document Number	084264-418
Book / Page	84264 / 418
Instrument Date	Jun 23, 2025
Instrument	71622
Transaction Type	Transfer
Record Updated	Nov 19, 2025

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	Tenants by the Entirety
Address	27 ELM ST, WINCHESTER, MA 01890-2843

Mortgage

Document Number	0000071623
Date	Jun 24, 2025
Instrument	71623

Lender

Name	ENTERPRISE BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Jul 1, 2032
Max Rate At Change	2.87%
Index	1-Year CMT

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	27 ELM ST, WINCHESTER, MA 01890-2843
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72230-248
Date	Feb 14, 2019
Book Page	72230/248
Instrument	19103

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 27 Elm St was $8,050, down 9.5% from the year before.

Source: Middlesex County and Winchester Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Winchester Town
Unified School District	Winchester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,050.00 (-9.49%)	$726,500 (-9.41%) Land $579,600 Building $146,900	$753,791 (-6.9%)
2025	$8,894.00 (+9.8%)	$802,000 (+12.18%) Land $579,600 Building $222,400	$809,685
2024	$8,100.00 (+4.18%)	$714,900 (+8.5%) Land $504,000 Building $210,900
2023	$7,775.00	$658,900 Land $453,600 Building $205,300

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

Flood

FEMA maps place 27 Elm St in Zone X, an area of minimal flood risk, though there have been 11 flood claims 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
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	11 (1979–2010)
Claims Outside the SFHA	9 of 11
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 claims Severe Storms And Flooding, May 2006 · 4 claims Heavy Rains And Flooding, Jun 1998 · 2 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 27 Elm St is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect 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	WINCHESTER WATER DEPT serves 22,970 people · EPA ID MA3344000
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 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 279 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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