31 Naples Rd, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 31 Naples Rd, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,255 sqft · built 1933
Lot Size	0.271 acres (11,818 sqft)
Owner	2 Individual Names on File
Last Sale	$570,000 (Apr 2021)
Tax Bill	$7,483 (2026)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:0E4 P:0068=69`

Property Details

APN / Parcel Number

Primary APN	`M:0E4 P:0068=69`
Alternative APN	`MELR M:0E4 P:0068-69`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,255 sqft Living Area
Gross Area	2,623 sqft
Basement Area	690 sqft
Unfinished Basement	690 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1933
Effective Year Built	Effective 1933
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,818 sqft (0.271 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	31 NAPLES RD
City	MELROSE
State	MA
Zip	02176-5531
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Subdivision	MELROSE PLAN 113H
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	4
Census Block	4013
Census Tract	336300

Owner

31 Naples Rd is owned and occupied by two individuals who bought it in April 2021.

Source: Middlesex County and Melrose City 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 File
Mailing Address	31 NAPLES RD, MELROSE, MA 02176-5531
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC
Apr 29, 2019	Deed of Trust, Mortgage · Conventional with PMI MSA MTG
Apr 25, 2018	Quit Claim Deed, Transfer · Conventional with PMI RADIUS FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2021 · Amount on File
Deed Sale	Apr 26, 2021 · Amount on File
Prior Sale	Apr 25, 2018 · Amount on File
Record Updated	Oct 29, 2026

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Apr 26, 2021
Property Address	31 NAPLES RD, MELROSE, MA 02176-5531
Document Number	1877964
Instrument Date	Apr 26, 2021
Instrument	1877964
Transaction Type	Transfer
Record Updated	May 14, 2021

Transaction

Amount	Amount on Record
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	31 NAPLES RD, MELROSE, MA 02176-5531

Mortgage

Document Number	1877965
Date	Apr 26, 2021
Instrument	1877965

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	31 NAPLES RD, MELROSE, MA 02176-5531
Document Number	0000012465
Instrument Date	Apr 29, 2019
Transaction Type	Mortgage
Record Updated	May 21, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 NAPLES RD MELROSE MA 021765531, MELROSE, MA 02176-5531

Mortgage

Document Number	0000012465
Date	May 3, 2019
Instrument	12465

Lender

Name	MSA MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 2, 2049

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Apr 25, 2018
Property Address	31 NAPLES RD, MELROSE, MA 02176-5531
Document Number	0000086144
Instrument Date	Apr 25, 2018
Instrument	86144
Transaction Type	Transfer
Record Updated	Aug 8, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,257.20
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 NAPLES RD MELROSE MA 021765531, MELROSE, MA 02176-5531

Mortgage

Document Number	86145
Date	Apr 25, 2018
Instrument	86145

Lender

Name	RADIUS FIN'L
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 24, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 31 Naples Rd was $7,483, up 11,777.8% from the year before.

Source: Middlesex County and Melrose City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Melrose City
Unified School District	Melrose School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,483.00 (+11,777.78%)	$652,400 (+1.08%) Land $427,700 Building $224,700	$689,184 (+1.38%)
2025	$63.00 (-98.97%)	$645,400 (+5.29%) Land $427,700 Building $217,700	$679,820
2024	$6,087.00 (+2.18%)	$613,000 (+7.22%) Land $400,100 Building $212,900
2023	$5,957.00	$571,700 Land $372,500 Building $199,200

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

Flood

FEMA maps place 31 Naples Rd in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	2 in force

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 Naples Rd is low, with less than 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 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 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	MELROSE WATER DIVISION (MWRA) serves 29,938 people · EPA ID MA3178000
Water Source	Purchased surface water from MWRA
Last State Inspection	Oct 2025
Lead	10 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement currently in violation since Nov 2021
Monitoring and Reporting	None 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 723 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
Netafy Fixed Wireless	520 / 116

May also be available: T-Mobile.

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