3 Prospect Ave, Winthrop, MA 02152 Property Records

Suffolk County and Winthrop Town City property record for 3 Prospect Ave, Winthrop, MA 02152

Property Summary

Property Type	Single Family Home
Details	6 bd · 2 ba · 2,598 sqft · built 1904
Lot Size	0.098 acres (4,263 sqft)
Owner	2 Individual Names on File
Last Sale	$327,500 (Aug 2009)
Tax Bill	$8,479 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Sep 2023 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINT M:019 L:001`

Property Details

APN / Parcel Number

Primary APN	`WINT M:019 L:001`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,598 sqft Living Area
Gross Area	4,894 sqft
Basement Area	1,174 sqft
Unfinished Basement	1,174 sqft

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Hip
Roof Material	Asphalt
Lot Area	4,263 sqft (0.098 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	3 PROSPECT AVE
City	WINTHROP
State	MA
Zip	02152-2516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	1
Jurisdiction	WINTHROP MA
Township / Civil Division	WINTHROP TOWN
Census Block Group	2
Census Block	2014
Census Tract	180500

Owner

3 Prospect Ave is owned and occupied by two individuals who bought it in August 2009.

Source: Suffolk County and Winthrop Town City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3 PROSPECT AVE, WINTHROP, MA 02152-2516
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Sep 11, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Jul 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2009 · Amount on File
Deed Sale	Aug 31, 2009 · Amount on File
Deed Document Number	200982349
Deed Book / Page	45444 / 189
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	3 PROSPECT AVE, WINTHROP, MA 02152-2516
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00072263-9
Date	Dec 29, 2025
Book Page	72263/9
Instrument	82970

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	337 Months
Due	Jan 1, 2054

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	3 PROSPECT AVE, WINTHROP, MA 02152-2516
Transaction Type	Mortgage
Record Updated	Sep 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069418-71
Date	Sep 11, 2023
Book Page	69418/71
Instrument	57415

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2043

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	3 PROSPECT AVE, WINTHROP, MA 02152-2516
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00065936-4
Date	Jul 22, 2021
Book Page	65936/4
Instrument	82130

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 3 Prospect Ave was $8,479, up 11.4% from the year before.

Source: Suffolk County and Winthrop Town City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Suffolk County
Municipality	Winthrop Town City
Unified School District	Winthrop School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,479.00 (+11.42%)	$761,100 (+3.21%) Land $381,600 Building $379,500	$773,391
2025	$7,610.00 (+2.8%)	$737,400 (+3.79%) Land $403,000 Building $334,400
2024	$7,403.00 (+41.52%)	$710,500 (+45.33%) Land $387,400 Building $323,100	$740,240
2023	$5,231.00	$488,900 Land $212,300 Building $276,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3 Prospect Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 32 individual policies
Nearby Flood Policies	35 units insured incl. 3 condo units
Nearby Flood Claims	47 (1978–2018)
Claims Outside the SFHA	17 of 47
Most Recent Claim	Jan 2018 · tidal / storm surge
Claims by Event	Winter Coastal Storm, Dec 1992 · 5 claims Coastal Storm, Oct 1991 · 19 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 6 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

The area around 3 Prospect Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 361 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Netafy Fixed Wireless	600 / 150
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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