31 Forest St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 31 Forest St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,456 sqft · built 1887
Lot Size	0.103 acres (4,500 sqft)
Owner	2 Individual Names on File
Last Sale	$518,000 (Nov 2012)
Tax Bill	$11,458 (2026)
Deeds & Mortgages	Jul 2018 Mortgage Aug 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:012 B:0084 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:012 B:0084 L:0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,456 sqft Living Area
Gross Area	2,492 sqft
1st Floor Area	1,092 sqft
Basement Area	616 sqft
Unfinished Basement	616 sqft

Exterior

Year Built	Built 1887
Effective Year Built	Effective 1887
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,500 sqft (0.103 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	31 FOREST ST
City	WINCHESTER
State	MA
Zip	01890-1250
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG
Legal Block	84
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	3
Census Block	3023
Census Tract	338200

Owner

31 Forest St is owned and occupied by two individuals who bought it in November 2012.

Source: Middlesex County and Winchester Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	31 FOREST ST, WINCHESTER, MA 01890-1250
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
Jul 10, 2018	Deed of Trust, Mortgage · Closed-End Mortgage CENTURY BANK & TRUST CO
Aug 10, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Sep 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2012 · Amount on File
Deed Sale	Nov 30, 2012 · Amount on File
Prior Sale	Jun 17, 2008 · Amount on File
Deed Book / Page	60611 / 5
Transfer Doc	00060611-5
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	31 FOREST ST, WINCHESTER, MA 01890-1250
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	71288-417
Date	Jul 10, 2018
Book Page	71288/417
Instrument	101409

Lender

Name	CENTURY BANK & TRUST CO
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 1, 2038

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	31 FOREST ST, WINCHESTER, MA 01890-1250
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75332-17
Date	Aug 10, 2020
Book Page	75332/17
Instrument	134279

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	31 FOREST ST, WINCHESTER, MA 01890-1250
Document Number	73355-438
Instrument Date	Sep 23, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 FOREST ST WINCHESTER MA 018901250, WINCHESTER, MA 01890-1250

Mortgage

Document Number	73355-438
Date	Sep 27, 2019
Book Page	073355/000438
Instrument	147639

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 26, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 31 Forest St was $11,458, up 10,039.8% from the year before.

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	$11,458.00 (+10,039.82%)	$1,034,100 (+1.49%) Land $670,500 Building $363,600	$1,079,800 (+13.03%)
2025	$113.00 (-98.91%)	$1,018,900 (+11.62%) Land $670,500 Building $348,400	$955,320
2024	$10,342.00 (+3.6%)	$912,800 (+7.9%) Land $583,000 Building $329,800
2023	$9,983.00	$846,000 Land $524,700 Building $321,300

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

Flood

FEMA maps place 31 Forest St 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 September 10, 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 28 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	113 units insured incl. 85 condo units

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

Wildfire risk around 31 Forest St is low, with a 0.01% annual chance of 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
Adjoins Burnable Land	Yes

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 260 locations within half a mile, as of December 31, 2025

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

May also be available: Astound Broadband.

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