Norfolk County and Needham Town property record for 311 Charles River St, Needham, MA 02492
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 7.5 ba · 3,061 sqft · built 2023 |
| Lot Size | 1.01 acres (43,996 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $4,379,000 (May 2024) |
| Tax Bill | $41,875 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Sep 2025 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:2150003600000 |
| Primary APN | M:2150003600000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 7.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 16 Rooms |
| Stories | 2 Stories |
| Building Area | 3,061 sqft Living Area |
| Gross Area | 6,487 sqft |
| 1st Floor Area | 1,781 sqft |
| Basement Area | 1,466 sqft |
| Unfinished Basement | 1,146 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 43,996 sqft (1.01 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 311 CHARLES RIVER ST |
|---|---|
| City | NEEDHAM |
| State | MA |
| Zip | 02492-1001 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRA |
| Legal Block | 36 |
| Jurisdiction | NEEDHAM MA |
| Township / Civil Division | NEEDHAM |
| Census Block Group | 5 |
| Census Block | 5013 |
| Census Tract | 403400 |
Source: Norfolk County and Needham Town records, as of September 15, 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 | 924 W MOUNTAIN AVE, FORT COLLINS, CO 80521-2510 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 28, 2026 | Deed of Trust, Mortgage FLATIRONS BANK |
| Sep 26, 2025 | Deed of Trust, Mortgage NEEDHAM BANK |
| Jun 23, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance EAGLE BANK |
| Apr 29, 2022 | Quit Claim Deed, Transfer |
| May 10, 2018 | Deed of Trust, Mortgage · Line of Credit MIDDLESEX SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 9, 2024 · Amount on Record |
| Deed Sale | May 9, 2024 · Amount on Record |
| Prior Sale | Apr 29, 2022 · Amount on Record |
| Deed Document Number | 202427783 |
| Deed Book / Page | 41766 / 543 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Recording Date | Aug 28, 2026 |
| Property Address | 311 CHARLES RIVER ST, NEEDHAM, MA 02492-1001 |
| Document Number | 0000062964 |
| Book / Page | 43337 / 340 |
| Instrument Date | Aug 21, 2026 |
| Instrument | 202662964 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 311 CHARLES RIVER ST, NEEDHAM, MA 02492-1001 |
| Document Number | 0000062964, |
|---|---|
| Date | Aug 28, 2026 |
| Book Page | 43337/340 |
| Instrument | 202662964 |
| Name | FLATIRONS BANK |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 12 Months |
| Due | Sep 1, 2027 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 311 CHARLES RIVER ST, NEEDHAM, MA 02492-1001 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|
| Document Number | 042667-509 |
|---|---|
| Date | Sep 26, 2025 |
| Book Page | 42667/509 |
| Instrument | 67638 |
| Name | NEEDHAM BANK |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 241 Months |
| Due | Oct 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 311 CHARLES RIVER ST, NEEDHAM, MA 02492-1001 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 040631-297 |
|---|---|
| Date | Jun 23, 2022 |
| Book Page | 40631/297 |
| Instrument | 55398 |
| Name | EAGLE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Recording Date | Apr 29, 2022 |
| Property Address | 311 CHARLES RIVER ST, NEEDHAM, MA 02492-1001 |
| Document Number | 040498-388 |
| Book / Page | 40498 / 388 |
| Instrument Date | Apr 11, 2022 |
| Instrument | 37376 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 24 ROTHERWOOD RD, NEWTON, MA 02459-2438 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 311 CHARLES RIVER ST, NEEDHAM, MA 02492-1001 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 35971-499 |
|---|---|
| Date | May 10, 2018 |
| Book Page | 35971/499 |
| Instrument | 36725 |
| Name | MIDDLESEX SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 1, 2038 |
Source: Norfolk County and Needham Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Norfolk County |
| County Subdivision | Needham Town |
| Unified School District | Needham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $41,875.00 (+163.7%) | $3,950,500 (+224.4%) Land $789,400 Building $3,161,100 | $4,089,275 (+0.47%) |
| 2024 | $4,069,990 | ||
| 2023 | $15,880.00 | $1,217,800 Land $713,800 Building $504,000 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective May 26, 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 | 7 in force |
| Nearby Flood Claims | 1 (1978) |
| Most Recent Claim | Feb 1978 · Coastal Storms, Flood, Ice & Snow |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 90% of Massachusetts |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NEEDHAM WATER DEPT serves 31,664 people · EPA ID MA3199000 |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Jun 2024 |
| Lead | 5 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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.
Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 2,000 |
| Astound Broadband Cable | 1,500 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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