3 Wilson St, Winchester, MA 01890 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,308 sqft · built 1880
Lot Size	0.369 acres (16,061 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,430,000 (Jun 2021)
Tax Bill	$17,467 (2026)
Deeds & Mortgages	Mar 2018 Mortgage Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WINC M:003 B:0232 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:003 B:0232 L:0`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,308 sqft Living Area
Gross Area	4,427 sqft
Basement Area	1,239 sqft
Unfinished Basement	1,239 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,061 sqft (0.369 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3 WILSON ST
City	WINCHESTER
State	MA
Zip	01890-1417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDB
Legal Subdivision	GEORGE E & ISABEL S COWARD
Legal Block	232
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	2
Census Block	2015
Census Tract	338100

Owner

Source: Middlesex County and Winchester Town 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 WILSON ST, WINCHESTER, MA 01890-1417
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2018	Deed of Trust, Mortgage HANSCOM FCU
Jun 11, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2021 · Amount on Record
Deed Sale	Jun 11, 2021 · Amount on Record
Prior Sale	May 30, 1996 · Amount on Record
Deed Document Number	2021132519
Deed Book / Page	77993 / 383
Record Updated	Oct 29, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	3 WILSON ST, WINCHESTER, MA 01890-1417
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070801-105
Date	Mar 30, 2018
Book Page	70801/105
Instrument	42483

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Jun 11, 2021
Property Address	3 WILSON ST, WINCHESTER, MA 01890-1417
Document Number	077993-383
Book / Page	77993 / 383
Instrument Date	Jun 11, 2021
Instrument	132519
Transaction Type	Transfer
Record Updated	Jan 17, 2022

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 WILSON ST, WINCHESTER, MA 01890-1417

Mortgage

Document Number	0000132520
Date	Jun 11, 2021
Instrument	132520

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$17,467.00 (+10,055.23%)	$1,576,400 (+1.13%) Land $1,042,800 Building $533,600	$1,593,892 (-4.2%)
2025	$172.00 (-98.95%)	$1,558,800 (+7.78%) Land $1,042,800 Building $516,000	$1,663,735
2024	$16,387.00 (+2.44%)	$1,446,300 (+6.69%) Land $968,300 Building $478,000
2023	$15,996.00	$1,355,600 Land $893,800 Building $461,800

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	11 (1978–2023)
Claims Outside the SFHA	6 of 11
Most Recent Claim	Aug 2023 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims Severe Storms And Flooding, Mar 2001 · 2 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	Indirect 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	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 618 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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