31 Oneida Rd, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 31 Oneida Rd, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,176 sqft · built 1947
Lot Size	0.234 acres (10,202 sqft)
Owner	2 Individual Names on Record
Last Sale	$258,500 (Oct 1995)
Tax Bill	$15,236 (2026)
Deeds & Mortgages	Feb 2026 Line of Credit Mar 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:021 B:0195 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:021 B:0195 L:0`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,176 sqft Living Area
Gross Area	4,248 sqft
1st Floor Area	1,634 sqft
Basement Area	1,310 sqft
Unfinished Basement	1,310 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,202 sqft (0.234 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	31 ONEIDA RD
City	WINCHESTER
State	MA
Zip	01890-3461
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDB
Legal Block	195
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	1
Census Block	1021
Census Tract	338400

Owner

Source: Middlesex County and Winchester Town records, as of October 20, 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 Record
Mailing Address	31 ONEIDA RD, WINCHESTER, MA 01890-3461
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2026	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Mar 10, 2017	Deed of Trust, Mortgage · Closed-End Mortgage CENTURY BANK & TRUST CO
Sep 5, 2018	Deed of Trust, Mortgage · Line of Credit CENTURY BANK & TRUST CO
Jan 11, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PROVIDENT FUNDING ASSOCIATES LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 1995 · Amount on Record
Deed Sale	Oct 10, 1995 · Amount on Record
Prior Sale	Jun 30, 1989 · Amount on Record
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	31 ONEIDA RD, WINCHESTER, MA 01890-3461
Transaction Type	Mortgage
Record Updated	Feb 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	085191-226
Date	Feb 4, 2026
Book Page	85191/226
Instrument	12333

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	31 ONEIDA RD, WINCHESTER, MA 01890-3461
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	68994-518
Date	Mar 10, 2017
Book Page	68994/518
Instrument	36720

Lender

Name	CENTURY BANK & TRUST CO
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2037

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	31 ONEIDA RD, WINCHESTER, MA 01890-3461
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	71580-165
Date	Sep 5, 2018
Book Page	71580/165
Instrument	137328

Lender

Name	CENTURY BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2038

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	31 ONEIDA RD, WINCHESTER, MA 01890-3461
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76667-220
Date	Jan 11, 2021
Book Page	76667/220
Instrument	6383

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Feb 1, 2050

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	$15,236.00 (+10,264.63%)	$1,375,100 (+3.43%) Land $961,100 Building $414,000	$1,393,441 (+21.48%)
2025	$147.00 (-98.97%)	$1,329,500 (+5.57%) Land $927,900 Building $401,600	$1,147,030
2024	$14,268.00 (+9.35%)	$1,259,300 (+13.88%) Land $861,600 Building $397,700
2023	$13,048.00	$1,105,800 Land $729,100 Building $376,700

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (1996–2010)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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	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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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