28 Charles Rd, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 28 Charles Rd, Winchester, MA 01890

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 1,283 sqft · built 1963
Owner	2 Individual Names on File
Last Sale	$450,000 (Sep 2018)
Tax Bill	$6,235 (2026)
Deeds & Mortgages	Mar 2021 Refinance Feb 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:013 B:0597 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:013 B:0597 L:0`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,283 sqft Living Area
Gross Area	1,452 sqft
Basement Area	484 sqft
Unfinished Basement	169 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	28 CHARLES RD
City	WINCHESTER
State	MA
Zip	01890-1113
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RG
Legal Block	597
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	3
Census Block	3007
Census Tract	338200

Owner

28 Charles Rd, a condominium, is owned and occupied by two individuals who bought it in September 2018.

Source: Middlesex County and Winchester Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	28 CHARLES RD, WINCHESTER, MA 01890-1113
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SEMPER HOME LOANS INC
Feb 21, 2018	Deed of Trust, Mortgage PROVIDENT FUNDING ASSOCIATES LP
Sep 24, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance SIERRA PACIFIC MORTGAGE CO INC
Nov 6, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA
Sep 7, 2018	Quit Claim Deed, Transfer UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2018 · Amount on File
Deed Sale	Sep 7, 2018 · Amount on File
Prior Sale	Jul 8, 2013 · Amount on File
Deed Book / Page	71591 / 326
Transfer Doc	071591-326
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	28 CHARLES RD, WINCHESTER, MA 01890-1113
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077124-567
Date	Mar 3, 2021
Book Page	77124/567
Instrument	47622

Lender

Name	SEMPER HOME LOANS INC
Type	Mortgage Company

Agreement

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

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	28 CHARLES RD, WINCHESTER, MA 01890-1113
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70649-244
Date	Feb 21, 2018
Book Page	70649/244
Instrument	24048

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2048

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	28 CHARLES RD, WINCHESTER, MA 01890-1113
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73333-277
Date	Sep 24, 2019
Book Page	73333/277
Instrument	145316

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	28 CHARLES RD, WINCHESTER, MA 01890-1113
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76109-382
Date	Nov 6, 2020
Book Page	76109/382
Instrument	207777

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Sep 7, 2018
Property Address	28 CHARLES RD, WINCHESTER, MA 01890-1113
Document Number	71591-326
Book / Page	71591 / 326
Instrument	138784
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$43.57
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

Mortgage

Document Number	715910336
Date	Sep 7, 2018
Instrument	71591/0336

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 7, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 28 Charles Rd was $6,235, up 10,838.6% 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	$6,235.00 (+10,838.6%)	$562,700 (+9.28%) Building $562,700	$620,682 (+11.3%)
2025	$57.00 (-98.98%)	$514,900 (+4.19%) Building $514,900	$557,650
2024	$5,599.00 (+0.21%)	$494,200 (+4.37%) Building $494,200
2023	$5,587.00	$473,500 Building $473,500

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

Flood

FEMA maps place 28 Charles 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
Flood Insurance Cost	Premium on File median of 28 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	113 units insured incl. 85 condo units

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 28 Charles Rd 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	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	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 504 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: Astound Broadband.

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