Middlesex County and Melrose City property record for 280 Laurel St, Melrose, MA 02176
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,196 sqft · built 1960 |
| Lot Size | 0.234 acres (10,184 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $635,500 (May 2017) |
| Tax Bill | $13,133 (2026) |
| Deeds & Mortgages | May 2021 Line of Credit May 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | MELR M:0G8 P:0000079 |
| Primary APN | MELR M:0G8 P:0000079 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 3,196 sqft Living Area |
| Gross Area | 4,271 sqft |
| Basement Area | 1,988 sqft |
| Finished Basement | 994 sqft |
| Unfinished Basement | 994 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 10,184 sqft (0.234 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 280 LAUREL ST |
|---|---|
| City | MELROSE |
| State | MA |
| Zip | 02176-4231 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRB |
| Jurisdiction | MELROSE MA |
| Township / Civil Division | MELROSE |
| Census Block Group | 6 |
| Census Block | 6002 |
| Census Tract | 336300 |
Source: Middlesex County and Melrose City 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 Record |
|---|---|
| Mailing Address | 280 LAUREL ST, MELROSE, MA 02176-4231 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 12, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| May 12, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jul 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CROSS CNTRY MTG |
| May 31, 2017 | Quit Claim Deed, Transfer · Conventional with PMI CROSS CNTRY MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2017 · Amount on Record |
| Deed Sale | May 31, 2017 · Amount on Record |
| Prior Sale | Sep 29, 1999 · Amount on Record |
| Transfer Doc | 0001761435 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MELROSE MA |
| Property Address | 280 LAUREL ST, MELROSE, MA 02176-4231 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001879583 |
|---|---|
| Date | May 12, 2021 |
| Instrument | 1879583 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jun 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MELROSE MA |
| Property Address | 280 LAUREL ST, MELROSE, MA 02176-4231 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1879583 |
|---|---|
| Date | May 12, 2021 |
| Instrument | 1879583 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jun 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MELROSE MA |
| Property Address | 280 LAUREL ST, MELROSE, MA 02176-4231 |
| Document Number | 0001847270 |
| Instrument Date | Jul 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 280 LAUREL ST MELROSE MA 021764231, MELROSE, MA 02176-4231 |
| Document Number | 0001847270 |
|---|---|
| Date | Jul 17, 2020 |
| Instrument | 1847270 |
| Name | CROSS CNTRY MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 16, 2045 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MELROSE MA |
| Recording Date | May 31, 2017 |
| Property Address | 280 LAUREL ST, MELROSE, MA 02176-4231 |
| Document Number | 0001761435 |
| Instrument Date | May 15, 2017 |
| Instrument | 1761435 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2018 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,897.88 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 280 LAUREL ST MELROSE MA 021764231, MELROSE, MA 02176-4231 |
| Document Number | 1761436 |
|---|---|
| Date | May 31, 2017 |
| Instrument | 1761436 |
| Name | CROSS CNTRY MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 30, 2047 |
Source: Middlesex County and Melrose City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Melrose City |
| Unified School District | Melrose School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $13,133.00 (+12,060.19%) | $1,145,000 (+4.59%) Land $499,700 Building $645,300 | $1,006,042 (-0.07%) |
| 2025 | $108.00 (-98.96%) | $1,094,800 (+4.74%) Land $471,200 Building $623,600 | $1,006,715 |
| 2024 | $10,380.00 (+2.36%) | $1,045,300 (+7.41%) Land $442,600 Building $602,700 | |
| 2023 | $10,141.00 | $973,200 Land $428,300 Building $544,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 15 policies |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 2 (1978–2006) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | May 2006 · Severe Storms And Flooding |
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 456 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 2,000 |
| Netafy Fixed Wireless | 476 / 106 |
| T-Mobile Fixed Wireless | 100 / 20 |
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