Norfolk County and Needham Town property record for 38 Gary Rd, Needham Heights, MA 02494
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 1,540 sqft · built 2016 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,342,000 (May 2017) |
| Tax Bill | $18,873 (2025) |
| Deeds & Mortgages | Mar 2021 Line of Credit May 2024 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:0780001600000 |
| Primary APN | M:0780001600000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 1,540 sqft Living Area |
| Gross Area | 3,506 sqft |
| 1st Floor Area | 1,540 sqft |
| Basement Area | 1,540 sqft |
| Unfinished Basement | 385 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 38 GARY RD |
|---|---|
| City | NEEDHAM HEIGHTS |
| State | MA |
| Zip | 02494-2417 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRB |
| Legal Block | 16 |
| Jurisdiction | NEEDHAM MA |
| Township / Civil Division | NEEDHAM |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 403502 |
Source: Norfolk County and Needham Town records, as of July 20, 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 | 38 GARY RD, NEEDHAM HEIGHTS, MA 02494-2417 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 3, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| May 21, 2024 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Dec 21, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK OF RHODE ISLAND |
| Jul 22, 2020 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Oct 17, 2017 | Deed of Trust, Mortgage BANK OF AMERICA |
| May 4, 2017 | Quit Claim Deed, Transfer WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 4, 2017 · Amount on Record |
| Deed Sale | May 4, 2017 · Amount on Record |
| Prior Sale | Aug 26, 2015 · Amount on Record |
| Deed Book / Page | 35086 / 34 |
| Transfer Doc | 33035-263 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 38 GARY RD, NEEDHAM, MA 02494-2417 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0039082-67 |
|---|---|
| Date | Mar 3, 2021 |
| Book Page | 39082/67 |
| Instrument | 27664 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Apr 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 38 GARY RD, NEEDHAM, MA 02494-2417 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0041784-84 |
|---|---|
| Date | May 21, 2024 |
| Book Page | 41784/84 |
| Instrument | 30317 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jun 1, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 38 GARY RD, NEEDHAM, MA 02494-2417 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38770-430 |
|---|---|
| Date | Dec 21, 2020 |
| Book Page | 38770/430 |
| Instrument | 144707 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 38 GARY RD, NEEDHAM, MA 02494-2417 |
| Document Number | 38168-128 |
| Instrument Date | Jul 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 38 GARY RD NEEDHAM MA 024942417, NEEDHAM, MA 02494-2417 |
| Document Number | 38168-128 |
|---|---|
| Date | Aug 3, 2020 |
| Book Page | 038168/000128 |
| Instrument | 77025 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 2, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 38 GARY RD, NEEDHAM, MA 02494-2417 |
| Document Number | 35537-406 |
| Instrument Date | Oct 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|
| Document Number | 35537-406 |
|---|---|
| Date | Oct 23, 2017 |
| Book Page | 035537/000406 |
| Instrument | 688 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 22, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Recording Date | May 4, 2017 |
| Property Address | 38 GARY RD, NEEDHAM, MA 02494-2417 |
| Document Number | 35086-34 |
| Book / Page | 35086 / 34 |
| Instrument | 38136 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 350860036 |
|---|---|
| Date | May 4, 2017 |
| Instrument | 35086/0036 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 4, 2047 |
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 | $18,873.00 (+0.2%) | $1,780,500 (+23.26%) Land $744,800 Building $1,035,700 | $1,913,680 (+0.19%) |
| 2024 | $1,909,975 | ||
| 2023 | $18,836.00 | $1,444,500 Land $480,500 Building $964,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 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.
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 | Direct burnable vegetation |
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 406 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 · Fiber in parts of the area | 1,500 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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