31 School St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 31 School St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,310 sqft · built 1920
Lot Size	0.195 acres (8,499 sqft)
Owner	2 Individual Names on File
Tax Bill	$10,393 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Aug 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0F9 P:0000031`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0F9 P:0000031`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,310 sqft Living Area
Gross Area	3,636 sqft
Basement Area	840 sqft
Unfinished Basement	504 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,499 sqft (0.195 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	31 SCHOOL ST
City	MELROSE
State	MA
Zip	02176-3320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URA
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	1
Census Block	1009
Census Tract	336202

Owner

31 School St is owned and occupied by two individuals who acquired it in December 2019.

Source: Middlesex County and Melrose City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	31 SCHOOL ST, MELROSE, MA 02176-3320
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Apr 6, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMIERCA NA
Aug 11, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DREW MORTGAGE ASSOCIATES INC
Dec 6, 2019	Quit Claim Deed, Transfer · Stand-Alone Refinance DREW MORTGAGE ASSOCIATES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2014
Deed Sale	Feb 12, 2014
Prior Sale	Apr 5, 1982 · Amount on File
Deed Book / Page	63269 / 211
Last Transfer Date	Dec 2, 2019
Transfer Doc	73776-186
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Recording Date	Apr 6, 2026
Property Address	31 SCHOOL ST, MELROSE, MA 02176-3320
Document Number	0085433-65
Book / Page	85433 / 65
Instrument Date	Mar 24, 2026
Instrument	202637576
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 SCHOOL ST, MELROSE, MA 02176-3320

Mortgage

Document Number	0000037576,
Date	Apr 6, 2026
Book Page	85433/65
Instrument	202637576

Lender

Name	BANK OF AMIERCA NA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	31 SCHOOL ST, MELROSE, MA 02176-3320
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	078447-386
Date	Aug 11, 2021
Book Page	78447/386
Instrument	179885

Lender

Name	DREW MORTGAGE ASSOCIATES INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Dec 6, 2019
Property Address	31 SCHOOL ST, MELROSE, MA 02176-3320
Document Number	73776-186
Book / Page	73776 / 186
Instrument Date	Dec 2, 2019
Instrument	192363
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 SCHOOL ST, MELROSE, MA 02176-3320

Mortgage

Document Number	73776-189
Date	Dec 6, 2019
Book Page	73776/189
Instrument	192364

Lender

Name	DREW MORTGAGE ASSOCIATES INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 31 School St was $10,393, up 11,710.2% 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	$10,393.00 (+11,710.23%)	$906,100 (+1.19%) Land $518,900 Building $387,200	$999,598 (+11.97%)
2025	$88.00 (-99.01%)	$895,400 (-) Land $518,900 Building $376,500	$892,715
2024	$8,891.00 (+5.82%)	$895,400 (+11.05%) Land $518,900 Building $376,500
2023	$8,402.00	$806,300 Land $462,800 Building $343,500

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

Flood

FEMA maps place 31 School St 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	1 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

The area around 31 School St has no burnable land within ember reach, so its wildfire risk is not rated.

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	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 785 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 / 2,000
Netafy Fixed Wireless	476 / 106
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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