3 Cass St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 3 Cass St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,145 sqft · built 1900
Lot Size	0.058 acres (2,548 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (May 2022)
Tax Bill	$6,195 (2026)
Deeds & Mortgages	May 2022 Sale & Mortgage Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0D6 P:0000157`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0D6 P:0000157`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,145 sqft Living Area
Gross Area	2,274 sqft
Basement Area	639 sqft
Unfinished Basement	639 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,548 sqft (0.058 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	3 CASS ST
City	MELROSE
State	MA
Zip	02176-3924
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URB
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	5
Census Block	5008
Census Tract	336300

Owner

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	3 CASS ST, MELROSE, MA 02176-3924
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA
Aug 6, 2018	Deed of Trust, Mortgage MALDEN TEACHERS FCU
Sep 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2022 · Amount on Record
Deed Sale	May 13, 2022 · Amount on Record
Prior Sale	Oct 31, 2012 · Amount on Record
Deed Book / Page	80121 / 270
Record Updated	Oct 29, 2026

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	May 13, 2022
Property Address	3 CASS ST, MELROSE, MA 02176-3924
Document Number	080121-270
Book / Page	80121 / 270
Instrument Date	May 13, 2022
Instrument	72121
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Relationship	Tenants by the Entirety
Address	3 CASS ST, MELROSE, MA 02176-3924

Mortgage

Document Number	0000072122
Date	May 13, 2022
Instrument	72122

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	3 CASS ST, MELROSE, MA 02176-3924
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071432-407
Date	Aug 6, 2018
Book Page	71432/407
Instrument	119163

Lender

Name	MALDEN TEACHERS FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	84 Months
Due	Aug 1, 2025

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	3 CASS ST, MELROSE, MA 02176-3924
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	075754-419
Date	Sep 29, 2020
Book Page	75754/419
Instrument	174260

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,195.00 (+11,813.46%)	$540,100 (+1.64%) Land $276,600 Building $263,500	$633,126 (-0.47%)
2025	$52.00 (-98.97%)	$531,400 (+4.67%) Land $276,600 Building $254,800	$636,120
2024	$5,041.00 (+16.29%)	$507,700 (+22.04%) Land $258,700 Building $249,000
2023	$4,335.00	$416,000 Land $240,900 Building $175,100

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 802 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	476 / 106
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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