28 Pico Ave, Winthrop, MA 02152 Property Records

Suffolk County and Winthrop Town City property record for 28 Pico Ave, Winthrop, MA 02152

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,898 sqft · built 1900
Lot Size	0.137 acres (5,967 sqft)
Owner	2 Individual Names on File
Last Sale	$50,000 (Nov 1995)
Tax Bill	$9,261 (2026)
Deeds & Mortgages	Aug 2023 Transfer Nov 2021 Refinance + 2 more
Flood Zone	Zone AE (high risk)
APN	`WINT M:023 L:007`

Property Details

APN / Parcel Number

Primary APN	`WINT M:023 L:007`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,898 sqft Living Area
Gross Area	3,749 sqft
Basement Area	765 sqft
Unfinished Basement	765 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,967 sqft (0.137 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	28 PICO AVE
City	WINTHROP
State	MA
Zip	02152-2020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	7
Jurisdiction	WINTHROP MA
Township / Civil Division	WINTHROP TOWN
Census Block Group	2
Census Block	2006
Census Tract	180301

Owner

28 Pico Ave is owned and occupied by two individuals who acquired it in August 2023.

Source: Suffolk County and Winthrop Town City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	28 PICO AVE, WINTHROP, MA 02152-2020
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 21, 2023	Quit Claim Deed, Transfer Quitclaim
Nov 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MSA LENDING LLC
Oct 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MSA LENDING LLC
Jul 18, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance DISCOVER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 1995 · Amount on File
Deed Sale	Nov 14, 1995 · Amount on File
Deed Book / Page	20157 / 261
Last Transfer Date	Aug 15, 2023
Transfer Doc	0069347-65
Record Updated	Oct 29, 2026

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINTHROP MA
Recording Date	Aug 21, 2023
Property Address	28 PICO AVE, WINTHROP, MA 02152-2020
Document Number	0069347-65
Book / Page	69347 / 65
Instrument Date	Aug 15, 2023
Instrument	52577
Transaction Type	Transfer
Record Updated	Sep 8, 2023

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	28 PICO AVE, WINTHROP, MA 02152-2020

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	28 PICO AVE, WINTHROP, MA 02152-2020
Transaction Type	Mortgage
Record Updated	Nov 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66587-282
Date	Nov 1, 2021
Book Page	66587/282
Instrument	119791

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2041

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	28 PICO AVE, WINTHROP, MA 02152-2020
Transaction Type	Mortgage
Record Updated	Nov 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66500-69
Date	Oct 19, 2021
Book Page	66500/69
Instrument	114948

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

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

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	28 PICO AVE, WINTHROP, MA 02152-2020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61439-1
Date	Jul 18, 2019
Book Page	61439/1
Instrument	58186

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2039

Tax Assessment & Valuation

The 2026 property tax bill for 28 Pico Ave was $9,261, up 15.7% from the year before.

Source: Suffolk County and Winthrop Town City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Suffolk County
Municipality	Winthrop Town City
Unified School District	Winthrop School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,261.00 (+15.69%)	$831,300 (+7.17%) Land $463,500 Building $367,800	$763,510
2025	$8,005.00 (-1.28%)	$775,700 (-0.32%) Land $441,500 Building $334,200
2024	$8,109.00 (+7.79%)	$778,200 (+10.68%) Land $424,300 Building $353,900	$731,785
2023	$7,523.00	$703,100 Land $388,300 Building $314,800

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

Flood

FEMA maps place 28 Pico Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 42 individual policies
Nearby Flood Policies	44 units insured incl. 2 condo units
Nearby Flood Claims	17 (1979–2022)
Claims Outside the SFHA	2 of 17
Most Recent Claim	Dec 2022 · 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

The area around 28 Pico Ave 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	WINTHROP WATER DIVISION, (MWRA) serves 19,316 people · EPA ID MA3346000
Water Source	Purchased surface water from MWRA
Last State Inspection	Dec 2023
Lead	8 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 694 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Netafy.

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