286 Cedar St, Needham Heights, MA 02494 Property Records

Norfolk County and Needham Town property record for 286 Cedar St, Needham Heights, MA 02494

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 1,630 sqft · built 2000
Lot Size	0.583 acres (25,395 sqft)
Owner	2 Trust Names on Record
Last Sale	$1,565,000 (Mar 2021)
Tax Bill	$18,986 (2025)
Deeds & Mortgages	Jul 2025 Line of Credit Apr 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:2270001900000`

Property Details

APN / Parcel Number

Primary APN	`M:2270001900000`
Alternative APN	`NEED M:227.0 B:0019 L:0000.0`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,630 sqft Living Area
Gross Area	3,718 sqft
1st Floor Area	1,630 sqft
Basement Area	1,612 sqft
Unfinished Basement	512 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,395 sqft (0.583 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	286 CEDAR ST
City	NEEDHAM HEIGHTS
State	MA
Zip	02494-1800
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
Legal Subdivision	NEEDHAM
Legal Block	19
Jurisdiction	NEEDHAM MA
Township / Civil Division	NEEDHAM
Census Block Group	1
Census Block	1008
Census Tract	403502

Owner

Source: Norfolk County and Needham Town records, as of July 20, 2026

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

Owner of Record	2 Trust Names on Record
Mailing Address	286 CEDAR ST, NEEDHAM HEIGHTS, MA 02494-1800
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2025	Deed of Trust, Mortgage · Line of Credit WINCHESTER SAVINGS BANK
Apr 26, 2021	Quit Claim Deed, Transfer Quitclaim
Mar 17, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2021 · Amount on Record
Deed Sale	Mar 17, 2021 · Amount on Record
Prior Sale	Oct 26, 2006 · Amount on Record
Deed Document Number	202134895
Deed Book / Page	39147 / 108
Last Transfer Date	Apr 23, 2021
Transfer Doc	39316-494
Record Updated	Sep 20, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	286 CEDAR ST, NEEDHAM, MA 02494-1800
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042533-117
Date	Jul 18, 2025
Book Page	42533/117
Instrument	48501

Lender

Name	WINCHESTER SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2045

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEEDHAM MA
Recording Date	Apr 26, 2021
Property Address	286 CEDAR ST, NEEDHAM, MA 02494-1800
Document Number	39316-494
Book / Page	39316 / 494
Instrument Date	Apr 23, 2021
Instrument	54239
Transaction Type	Transfer
Record Updated	May 14, 2021

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	286 CEDAR ST, NEEDHAM, MA 02494-1800

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEEDHAM MA
Recording Date	Mar 17, 2021
Property Address	286 CEDAR ST, NEEDHAM, MA 02494-1800
Document Number	39147-108
Book / Page	39147 / 108
Instrument Date	Mar 16, 2021
Instrument	34895
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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
Address	286 CEDAR ST, NEEDHAM, MA 02494-1800

Mortgage

Document Number	34896
Date	Mar 17, 2021
Instrument	34896

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Norfolk County and Needham Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Norfolk County
County Subdivision	Needham Town
Unified School District	Needham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$18,986.00 (-11.3%)	$1,791,100 (+9.12%) Land $616,000 Building $1,175,100	$1,960,990 (-5.55%)
2024			$2,076,130
2023	$21,404.00	$1,641,400 Land $417,300 Building $1,224,100

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 May 26, 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	NEEDHAM WATER DEPT serves 31,664 people · EPA ID MA3199000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jun 2024
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 294 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
Astound Broadband Cable	1,500 / 50
T-Mobile Fixed Wireless	100 / 20

286 Cedar St, Needham Heights, MA 02494 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

July 2025: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2021: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

March 2021: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Cedar St

Nearby Streets

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