3 Cliff St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 3 Cliff St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,605 sqft · built 1911
Lot Size	0.102 acres (4,447 sqft)
Owner	2 Company Names on Record
Last Sale	$335,000 (Sep 1998)
Tax Bill	$13,028 (2026)
Deeds & Mortgages	Oct 2021 Line of Credit Dec 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`WINC M:004 B:0281 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:004 B:0281 L:0`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,605 sqft Living Area
Gross Area	3,306 sqft
Basement Area	797 sqft
Unfinished Basement	797 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	4,447 sqft (0.102 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	3 CLIFF ST
City	WINCHESTER
State	MA
Zip	01890-2063
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDB
Legal Block	281
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	1
Census Block	1008
Census Tract	338500

Owner

Source: Middlesex County and Winchester Town 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 Company Names on Record
Mailing Address	3 CLIFF ST, WINCHESTER, MA 01890-2063
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Dec 4, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 1998 · Amount on Record
Deed Sale	Sep 1, 1998 · Amount on Record
Prior Sale	Dec 1, 1995 · Amount on Record
Transfer Doc	66534-295
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	3 CLIFF ST, WINCHESTER, MA 01890-2063
Transaction Type	Mortgage
Record Updated	Nov 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78959-124
Date	Oct 21, 2021
Book Page	78959/124
Instrument	230710

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2046

Interest

Rate Type	Adjustable Rate

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	3 CLIFF ST, WINCHESTER, MA 01890-2063
Document Number	72034-535
Instrument Date	Dec 4, 2018
Transaction Type	Mortgage
Record Updated	Jan 8, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3 CLIFF ST WINCHESTER MA 018902063, WINCHESTER, MA 01890-2063

Mortgage

Document Number	72034-535
Date	Dec 19, 2018
Book Page	072034/000535
Instrument	3164

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Middlesex County and Winchester Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Winchester Town
Unified School District	Winchester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$13,028.00 (+10,078.13%)	$1,175,800 (+1.11%) Land $815,200 Building $360,600	$1,218,698 (+12.99%)
2025	$128.00 (-98.95%)	$1,162,900 (+7.72%) Land $815,200 Building $347,700	$1,078,630
2024	$12,232.00 (+2.45%)	$1,079,600 (+6.7%) Land $756,900 Building $322,700
2023	$11,939.00	$1,011,800 Land $698,700 Building $313,100

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (2001–2012)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2012 · rainfall accumulation

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	Low lower than 65% of the US · above 99.3% of Massachusetts
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	WINCHESTER WATER DEPT serves 22,970 people · EPA ID MA3344000
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 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 279 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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