35 Central St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 35 Central St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 5,136 sqft · built 1912
Lot Size	0.433 acres (18,866 sqft)
Owner	2 Trust Names on File
Last Sale	$2,430,000 (Jun 2018)
Tax Bill	$31,651 (2026)
Deeds & Mortgages	May 2022 Transfer May 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:016 B:0084 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:016 B:0084 L:0`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	5,136 sqft Living Area
Gross Area	6,469 sqft
1st Floor Area	1,354 sqft
Basement Area	1,391 sqft
Unfinished Basement	487 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1912
Effective Year Built	Effective 2002
Architectural Style	Colonial
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Tile
Lot Area	18,866 sqft (0.433 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	35 CENTRAL ST
City	WINCHESTER
State	MA
Zip	01890-2629
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDB
Legal Block	84
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	2
Census Block	2021
Census Tract	338300

Owner

35 Central St is owner-occupied and held in a trust since April 2022.

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

Owner of Record	2 Trust Names on File
Mailing Address	35 CENTRAL ST, WINCHESTER, MA 01890-2629
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
May 3, 2022	Quit Claim Deed, Transfer Quitclaim
May 22, 2017	Deed of Trust, Mortgage · ARM WINCHESTER COOPERATIVE BANK
Jun 26, 2018	Quit Claim Deed, Transfer FIRST REPUBLIC BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2018 · Amount on File
Deed Sale	Jun 26, 2018 · Amount on File
Prior Sale	Aug 29, 2002 · Amount on File
Deed Book / Page	71216 / 418
Last Transfer Date	Apr 26, 2022
Transfer Doc	080069-249
Record Updated	Oct 29, 2026

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	May 3, 2022
Property Address	35 CENTRAL ST, WINCHESTER, MA 01890-2629
Document Number	080069-249
Book / Page	80069 / 249
Instrument Date	Apr 26, 2022
Instrument	66101
Transaction Type	Transfer
Record Updated	May 20, 2022

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	35 CENTRAL ST, WINCHESTER, MA 01890-2629

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	35 CENTRAL ST, WINCHESTER, MA 01890-2629
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69316-166
Date	May 22, 2017
Book Page	69316/166
Instrument	75689

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Jun 26, 2018
Property Address	35 CENTRAL ST, WINCHESTER, MA 01890-2629
Document Number	71216-418
Book / Page	71216 / 418
Instrument	92878
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$209.22
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 CENTRAL ST, WINCHESTER, MA 01890-2629

Mortgage

Document Number	712160420
Date	Jun 26, 2018
Instrument	71216/0420

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 26, 2048

Interest

Rate	3.65%
Max Rate At Change	70.1%
Max Rate	2.5%

Tax Assessment & Valuation

The 2026 property tax bill for 35 Central St was $31,651, up 10,277.4% 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	$31,651.00 (+10,277.38%)	$2,856,600 (+3.73%) Land $1,372,200 Building $1,484,400	$2,960,895 (-1.74%)
2025	$305.00 (-98.98%)	$2,753,900 (+4.84%) Land $1,333,000 Building $1,420,900	$3,013,210
2024	$29,761.00	$2,626,700 Land $1,293,800 Building $1,332,900

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

Flood

FEMA maps place 35 Central St in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1978.

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
Flood Insurance Cost	Premium on File median of 19 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	66 units insured incl. 47 condo units
Nearby Flood Claims	11 (1978–2010)
Claims Outside the SFHA	6 of 11
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 claims Severe Storms And Flooding, May 2006 · 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 35 Central St is low, with less than 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 97% of the US · lower than 94% 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	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 430 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Central St

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