3 Cutting St, Winchester, MA 01890 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,298 sqft · built 1910
Lot Size	0.127 acres (5,528 sqft)
Owner	2 Individual Names on Record
Last Sale	$905,000 (Oct 2017)
Tax Bill	$146 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Oct 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`WINC M:008 B:0141 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:008 B:0141 L:0`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	2,298 sqft Living Area
Gross Area	3,816 sqft
1st Floor Area	1,550 sqft
Basement Area	954 sqft
Unfinished Basement	954 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,528 sqft (0.127 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3 CUTTING ST
City	WINCHESTER
State	MA
Zip	01890-2907
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDB
Legal Block	141
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	3
Census Block	3004
Census Tract	338500

Owner

Source: Middlesex County and Winchester Town records, as of April 14, 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 CUTTING ST, WINCHESTER, MA 01890-2907
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2022	Deed of Trust, Mortgage · Line of Credit CAMBRIDGE SAVINGS BANK
Oct 26, 2017	Quit Claim Deed, Transfer BLUE HILLS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2017 · Amount on Record
Deed Sale	Oct 26, 2017 · Amount on Record
Deed Book / Page	70136 / 470
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	3 CUTTING ST, WINCHESTER, MA 01890-2907
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080701-10
Date	Sep 13, 2022
Book Page	80701/10
Instrument	139108

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Oct 26, 2017
Property Address	3 CUTTING ST, WINCHESTER, MA 01890-2907
Document Number	70136-470
Book / Page	70136 / 470
Instrument	173894
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$99.43
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 CUTTING ST, WINCHESTER, MA 01890-2907

Mortgage

Document Number	701360472
Date	Oct 26, 2017
Instrument	70136/0472

Lender

Name	BLUE HILLS BANK

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 26, 2047

Interest

Rate	3.75%
Max Rate At Change	10.1%
Max Rate	2.25%

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
2025	$146.00 (-98.96%)	$1,320,600 (+6.87%) Land $836,400 Building $484,200	$1,320,595
2024	$14,000.00 (+2.48%)	$1,235,700 (+6.74%) Land $776,600 Building $459,100
2023	$13,661.00	$1,157,700 Land $716,900 Building $440,800

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	4 (2001–2010)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 claims

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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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	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 404 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

May also be available: AT&T, T-Mobile.

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