285 Charles St, Malden, MA 02148 Property Records

Middlesex County and Malden City property record for 285 Charles St, Malden, MA 02148

Property Summary

Property Type	Duplex
Details	3 bd · 5.5 ba · 2,160 sqft · built 1900
Lot Size	0.086 acres (3,737 sqft)
Owner	2 Individual Names on Record
Last Sale	$511,000 (Sep 2019)
Tax Bill	$10,324 (2026)
Deeds & Mortgages	Nov 2021 Refinance Jun 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`MALD M:030 B:137 L:726`

Property Details

APN / Parcel Number

Primary APN	`MALD M:030 B:137 L:726`

Interior

Bedrooms	3 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,160 sqft Living Area
Gross Area	3,897 sqft
Basement Area	1,000 sqft
Unfinished Basement	1,000 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,737 sqft (0.086 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	285 CHARLES ST
City	MALDEN
State	MA
Zip	02148-6402
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RESA
Legal Block	137
Legal Lot Number	726
Jurisdiction	MALDEN MA
Township / Civil Division	MALDEN
Census Block Group	1
Census Block	1013
Census Tract	341200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	285 CHARLES ST, MALDEN, MA 02148-6402
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance EAST WEST BANK
Jun 16, 2025	Quit Claim Deed, Transfer EAST WEST BANK
Sep 27, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 16, 2019	Quit Claim Deed, Transfer · Conventional with PMI DUNEGRASS CAP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2019 · Amount on Record
Deed Sale	Sep 27, 2019 · Amount on Record
Prior Sale	Aug 16, 2019 · Amount on Record
Deed Document Number	2019148211
Deed Book / Page	73361 / 383
Last Transfer Date	Jun 16, 2025
Transfer Doc	084233-403
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MALDEN MA
Property Address	285 CHARLES ST, MALDEN, MA 02148-6402
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	079110-380
Date	Nov 10, 2021
Book Page	79110/380
Instrument	245579

Lender

Name	EAST WEST BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

June 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MALDEN MA
Recording Date	Jun 16, 2025
Property Address	285 CHARLES ST, MALDEN, MA 02148-6402
Document Number	084233-403
Book / Page	84233 / 403
Instrument Date	Jun 16, 2025
Instrument	68100
Transaction Type	Transfer
Record Updated	Nov 25, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	285 CHARLES ST, MALDEN, MA 02148-6402
Investor	Possibly a Property Investor

Mortgage

Document Number	0000068101
Date	Jun 16, 2025
Instrument	68101

Lender

Name	EAST WEST BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MALDEN MA
Recording Date	Sep 27, 2019
Property Address	285 CHARLES ST, MALDEN, MA 02148-6402
Document Number	73361-383
Book / Page	073361 / 000383
Instrument Date	Sep 19, 2019
Instrument	148211
Transaction Type	Transfer
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$2,330.16
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 CHARLES ST MALDEN MA 021486402, MALDEN, MA 02148-6402
Investor	Possibly a Property Investor

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MALDEN MA
Recording Date	Aug 16, 2019
Property Address	285 CHARLES ST, MALDEN, MA 02148-6402
Document Number	73125-105
Book / Page	073125 / 000105
Instrument Date	Aug 15, 2019
Instrument	122295
Transaction Type	Transfer
Record Updated	Sep 4, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,491.12
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	150 SPEEN ST FRAMINGHAM MA 017012005, FRAMINGHAM, MA 01701-2005

Mortgage

Document Number	73125-108
Date	Aug 16, 2019
Book Page	073125/000108
Instrument	122296

Lender

Name	DUNEGRASS CAP LLC

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Middlesex County and Malden City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Malden City
Unified School District	Malden School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,324.00 (+7.56%)	$905,600 (+6.81%) Land $312,300 Building $586,100	$855,395
2025	$9,598.00 (+3.19%)	$847,900 (+6.57%) Land $281,100 Building $566,800
2024	$9,301.00 (+3.64%)	$795,600 (+8.07%) Land $265,500 Building $530,100
2023	$8,974.00	$736,200 Land $242,100 Building $494,100

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

Flood

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
Nearby Flood Policies	3 in force

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

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	MALDEN WATER DIVISION (MWRA) serves 66,263 people · EPA ID MA3165000
Water Source	Purchased surface water from MWRA
Last State Inspection	Apr 2024
Lead	10 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	No certified operator Mar 2016
Monitoring and Reporting	3 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 726 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	564 / 125
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Starry.

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