345 Main St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 345 Main St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	6 bd · 3.5 ba · 3,054 sqft · built 1938
Lot Size	0.222 acres (9,649 sqft)
Owner	2 Individual Names on File
Last Sale	$309,500 (Dec 1985)
Tax Bill	$16,288 (2026)
Deeds & Mortgages	Dec 2017 Line of Credit Dec 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:005 B:0152 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:005 B:0152 L:0`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	3 Stories
Building Area	3,054 sqft Living Area
Gross Area	4,685 sqft
Basement Area	972 sqft
Unfinished Basement	972 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,649 sqft (0.222 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	345 MAIN ST
City	WINCHESTER
State	MA
Zip	01890-3011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDB
Legal Block	152
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	3
Census Block	3018
Census Tract	338500

Owner

345 Main St is owned and occupied by two individuals who bought it in December 1985.

Source: Middlesex County and Winchester Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	345 MAIN ST, WINCHESTER, MA 01890-3011
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 13, 2017	Deed of Trust, Mortgage · Line of Credit WINCHESTER SAVINGS BANK
Dec 13, 2017	Deed of Trust, Mortgage WINCHESTER SAVINGS BANK
Nov 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WINCHESTER COOPERATIVE BANK
Nov 24, 2020	Deed of Trust, Mortgage · Line of Credit WINCHESTER COOPERATIVE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 1985 · Amount on File
Deed Sale	Dec 30, 1985 · Amount on File
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	345 MAIN ST, WINCHESTER, MA 01890-3011
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70374-56
Date	Dec 13, 2017
Book Page	70374/56
Instrument	201683

Lender

Name	WINCHESTER SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Dec 1, 2037

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	345 MAIN ST, WINCHESTER, MA 01890-3011
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70374-43
Date	Dec 13, 2017
Book Page	70374/43
Instrument	201682

Lender

Name	WINCHESTER SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	372 Months
Due	Dec 1, 2048

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	345 MAIN ST, WINCHESTER, MA 01890-3011
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76253-51
Date	Nov 24, 2020
Book Page	76253/51
Instrument	222052

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

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

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	345 MAIN ST, WINCHESTER, MA 01890-3011
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76253-69
Date	Nov 24, 2020
Book Page	76253/69
Instrument	222053

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2040

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 345 Main St was $16,288, up 10,274.5% from the year before.

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	$16,288.00 (+10,274.52%)	$1,470,000 (+3.61%) Land $851,600 Building $618,400	$1,849,993 (+19.1%)
2025	$157.00 (-98.99%)	$1,418,800 (+3.25%) Land $818,900 Building $599,900	$1,553,250
2024	$15,569.00	$1,374,100 Land $818,900 Building $555,200

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

Flood

FEMA maps place 345 Main St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2001.

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	7 in force
Nearby Flood Claims	4 (2001–2010)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 claims

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 345 Main St is low, with 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 80% of the US · above 57% 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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: AT&T, T-Mobile.

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