32 Willard St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 32 Willard St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,928 sqft · built 1954
Lot Size	0.3 acres (13,064 sqft)
Owner	2 Individual Names on File
Last Sale	$771,000 (Jul 2025)
Tax Bill	$7,356 (2026)
Deeds & Mortgages	Jul 2024 Refinance Oct 2023 Refinance + 5 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0E4 P:0000042`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0E4 P:0000042`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,928 sqft Living Area
Gross Area	2,316 sqft
Basement Area	1,134 sqft
Unfinished Basement	340 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,064 sqft (0.3 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	32 WILLARD ST
City	MELROSE
State	MA
Zip	02176-5514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URA
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	4
Census Block	4010
Census Tract	336300

Owner

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	32 WILLARD ST, MELROSE, MA 02176-5514
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance THE FEDERAL SAVINGS BANK
Oct 26, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Jul 1, 2025	Quit Claim Deed, Transfer
Jul 19, 2023	Redemption Deed, Transfer
Oct 16, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Aug 8, 2018	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Aug 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage MELROSE FIRST FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2025 · Amount on File
Deed Sale	Jul 1, 2025 · Amount on File
Prior Sale	Mar 19, 2014 · Amount on File
Prior Transfer Date	Jun 27, 2025
Prior Transfer Doc	0001980225
Record Updated	Oct 29, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	32 WILLARD ST, MELROSE, MA 02176-5514
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001960131
Date	Jul 11, 2024
Instrument	1960131

Lender

Name	THE FEDERAL SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2054

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	32 WILLARD ST, MELROSE, MA 02176-5514
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001946320
Date	Oct 26, 2023
Instrument	1946320

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

July 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Jul 1, 2025
Property Address	32 WILLARD ST, MELROSE, MA 02176-5514
Document Number	202501980225
Instrument Date	Jun 27, 2025
Instrument	202501980225
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Amount	Amount 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	32 WILLARD ST, MELROSE, MA 02176-5514

July 2023: Redemption Deed, Transfer

Document Type	Redemption Deed
Jurisdiction	MELROSE MA
Recording Date	Jul 19, 2023
Property Address	32 WILLARD ST, MELROSE, MA 02176-5514
Document Number	0001940907
Instrument Date	Jul 5, 2023
Instrument	1940907
Transaction Type	Transfer
Record Updated	Aug 4, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	32 WILLARD ST, MELROSE, MA 02176-5514
Document Number	0000026585
Instrument Date	Oct 16, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	32 WILLARD ST MELROSE MA 021765514, MELROSE, MA 02176-5514

Mortgage

Document Number	0000026585
Date	Oct 23, 2019
Instrument	26585

Lender

Name	FREEDOM MTG
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 22, 2049

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	32 WILLARD ST, MELROSE, MA 02176-5514
Document Number	0000095189
Instrument Date	Aug 8, 2018
Transaction Type	Mortgage
Record Updated	Nov 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	32 WILLARD ST MELROSE MA 021765514, MELROSE, MA 02176-5514

Mortgage

Document Number	0000095189
Date	Aug 17, 2018
Instrument	95189

Lender

Name	FREEDOM MTG
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 16, 2048

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	32 WILLARD ST, MELROSE, MA 02176-5514
Document Number	0000068208
Instrument Date	Aug 15, 2017
Transaction Type	Mortgage
Record Updated	Sep 5, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	0000068208
Date	Aug 18, 2017
Instrument	68208

Lender

Name	MELROSE FIRST FCU

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 17, 2032

Tax Assessment & Valuation

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	$7,356.00 (+19.51%)	$641,300 (+3.15%) Land $456,000 Building $185,300	$695,290 (-4.78%)
2025	$6,155.00 (+4.64%)	$621,700 (+4.96%) Land $456,000 Building $165,700	$730,170
2024	$5,882.00 (-0.14%)	$592,300 (+4.78%) Land $426,600 Building $165,700
2023	$5,890.00	$565,300 Land $397,200 Building $168,100

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
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

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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