Middlesex County and Winchester Town property record for 3 River St, Winchester, MA 01890
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,345 sqft · built 1900 |
| Lot Size | 0.248 acres (10,820 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $399,000 (Aug 1999) |
| Tax Bill | $122 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Feb 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WINC M:013 B:0257 L:0 |
| Primary APN | WINC M:013 B:0257 L:0 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,345 sqft Living Area |
| Gross Area | 3,952 sqft |
| Basement Area | 1,308 sqft |
| Unfinished Basement | 523 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,820 sqft (0.248 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 3 RIVER ST |
|---|---|
| City | WINCHESTER |
| State | MA |
| Zip | 01890-1135 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RG |
| Legal Subdivision | WINCHESTER |
| Legal Block | 257 |
| Jurisdiction | WINCHESTER MA |
| Township / Civil Division | WINCHESTER |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 338200 |
Source: Middlesex County and Winchester Town records · APN WINC M:013 B:0257 L:0
Assessment roll updated April 14, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 3 RIVER ST, WINCHESTER, MA 01890-1135 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 10, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Feb 23, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Aug 26, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance PROVIDENT FUNDING GROUP INC |
| Dec 10, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC |
| Jan 31, 2017 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 02, 1999 · Amount on Record |
| Deed Sale | Aug 02, 1999 · Amount on Record |
| Prior Sale | Jul 31, 1997 · Amount on Record |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER MA |
| Property Address | 3 RIVER ST, WINCHESTER, MA 01890-1135 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2023 |
| Name | Verified Name |
|---|
| Document Number | 081411-503 |
|---|---|
| Date | Apr 10, 2023 |
| Book Page | 81411/503 |
| Instrument | 35514 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | May 01, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER MA |
| Property Address | 3 RIVER ST, WINCHESTER, MA 01890-1135 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 77038-258 |
|---|---|
| Date | Feb 23, 2021 |
| Book Page | 77038/258 |
| Instrument | 40270 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER MA |
| Property Address | 3 RIVER ST, WINCHESTER, MA 01890-1135 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 75462-411 |
|---|---|
| Date | Aug 26, 2020 |
| Book Page | 75462/411 |
| Instrument | 147232 |
| Name | PROVIDENT FUNDING GROUP INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 01, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER MA |
| Property Address | 3 RIVER ST, WINCHESTER, MA 01890-1135 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 73793-133 |
|---|---|
| Date | Dec 10, 2019 |
| Book Page | 73793/133 |
| Instrument | 194415 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 169 Months |
| Due | Jan 01, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHESTER MA |
| Property Address | 3 RIVER ST, WINCHESTER, MA 01890-1135 |
| Document Number | 69000-470 |
| Book / Page | 069000 / 000470 |
| Instrument Date | Jan 31, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 04, 2017 |
| Name | Verified Name |
|---|
| Document Number | 69000-470 |
|---|---|
| Date | Mar 13, 2017 |
| Book Page | 069000/000470 |
| Instrument | 37453 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Middlesex County and Winchester Town records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Winchester Town |
| Unified School District | Winchester School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $122.00 (-98.98%) | $1,100,600 (+3.96%) Land $537,200 Building $563,400 | $1,226,260 |
| 2024 | $11,995.00 (+3.73%) | $1,058,700 (+8.03%) Land $537,200 Building $521,500 | |
| 2023 | $11,564.00 | $980,000 Land $470,000 Building $510,000 |
Source: FEMA National Flood Hazard Layer as of September 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 Record median of 28 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 113 units insured incl. 85 condo units |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Radiate Holdings.
Based on FCC filings for 504 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WINCHESTER WATER DEPT serves 22,970 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2024 |
| Lead | 3 ppb (2024–2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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