Middlesex County and Melrose City property record for 3 Bancroft Rd, Melrose, MA 02176
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,113 sqft · built 1955 |
| Lot Size | 0.175 acres (7,606 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,000,000 (Oct 2021) |
| Tax Bill | $10,949 (2026) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage May 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | MELR M:0G9 P:0000068 |
| Primary APN | MELR M:0G9 P:0000068 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,113 sqft Living Area |
| Gross Area | 3,537 sqft |
| Basement Area | 1,014 sqft |
| Unfinished Basement | 710 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,606 sqft (0.175 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 3 BANCROFT RD |
|---|---|
| City | MELROSE |
| State | MA |
| Zip | 02176-3403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRB |
| Jurisdiction | MELROSE MA |
| Township / Civil Division | MELROSE |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 336202 |
Source: Middlesex County and Melrose 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 | 3 BANCROFT RD, MELROSE, MA 02176-3403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 6, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA |
| May 18, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance FLAGSTAR BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 6, 2021 · Amount on Record |
| Deed Sale | Oct 6, 2021 · Amount on Record |
| Prior Sale | Oct 18, 2013 · Amount on Record |
| Deed Book / Page | 78858 / 509 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MELROSE MA |
| Recording Date | Oct 6, 2021 |
| Property Address | 3 BANCROFT RD, MELROSE, MA 02176-3403 |
| Document Number | 78858-509 |
| Book / Page | 78858 / 509 |
| Instrument Date | Oct 6, 2021 |
| Instrument | 220668 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3 BANCROFT RD, MELROSE, MA 02176-3403 |
| Document Number | 220669 |
|---|---|
| Date | Oct 6, 2021 |
| Instrument | 220669 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MELROSE MA |
| Property Address | 3 BANCROFT RD, MELROSE, MA 02176-3403 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74699-75 |
|---|---|
| Date | May 18, 2020 |
| Book Page | 74699/75 |
| Instrument | 75115 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2035 |
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 | $10,949.00 (+11,673.12%) | $954,600 (+1.05%) Land $514,000 Building $440,600 | $1,087,773 (-3.7%) |
| 2025 | $93.00 (-98.99%) | $944,700 (+1.6%) Land $514,000 Building $430,700 | $1,129,550 |
| 2024 | $9,233.00 (+4.37%) | $929,800 (+9.53%) Land $514,000 Building $415,800 | |
| 2023 | $8,846.00 | $848,900 Land $458,400 Building $390,500 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 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.
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 446 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 / 250 |
| Netafy Fixed Wireless | 476 / 106 |
| T-Mobile Fixed Wireless | 100 / 20 |
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