38 Prospect St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 38 Prospect St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,121 sqft · built 1910
Lot Size	0.703 acres (30,627 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,749,000 (Jan 2020)
Tax Bill	$26,127 (2026)
Deeds & Mortgages	Apr 2021 Refinance Apr 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:005 B:0216 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:005 B:0216 L:0`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,121 sqft Living Area
Gross Area	7,626 sqft
Basement Area	2,188 sqft
Unfinished Basement	2,188 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	30,627 sqft (0.703 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	38 PROSPECT ST
City	WINCHESTER
State	MA
Zip	01890-3135
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDB
Legal Block	216
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	1
Census Block	1015
Census Tract	338500

Owner

Source: Middlesex County and Winchester Town 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 Record
Mailing Address	38 PROSPECT ST, WINCHESTER, MA 01890-3135
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 10, 2020	Quit Claim Deed, Transfer WELLESLEY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2020 · Amount on Record
Deed Sale	Jan 10, 2020 · Amount on Record
Prior Sale	Aug 23, 2007
Deed Document Number	20201834015
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	38 PROSPECT ST, WINCHESTER, MA 01890-3135
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001878036
Date	Apr 27, 2021
Instrument	1878036

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	38 PROSPECT ST, WINCHESTER, MA 01890-3135
Transaction Type	Mortgage
Record Updated	May 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1878036
Date	Apr 27, 2021
Instrument	1878036

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Jan 10, 2020
Property Address	38 PROSPECT ST, WINCHESTER, MA 01890-3135
Document Number	0001834015
Instrument Date	Jan 10, 2020
Instrument	1834015
Transaction Type	Transfer
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,975.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	38 PROSPECT ST WINCHESTER MA 018903135, WINCHESTER, MA 01890-3135

Mortgage

Document Number	1834016
Date	Jan 10, 2020
Instrument	1834016

Lender

Name	WELLESLEY BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 9, 2050

Tax Assessment & Valuation

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	$26,127.00 (+10,226.88%)	$2,358,000 (+3.01%) Land $1,406,700 Building $951,300	$2,508,964 (+16.61%)
2025	$253.00 (-98.98%)	$2,289,100 (+4.87%) Land $1,366,700 Building $922,400	$2,151,560
2024	$24,731.00 (+0.36%)	$2,182,800 (+4.53%) Land $1,326,700 Building $856,100
2023	$24,642.00	$2,088,300 Land $1,246,700 Building $841,600

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (2001–2012)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2012 · rainfall accumulation

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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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