381 South St, Needham, MA 02492 Property Records

Norfolk County and Needham Town property record for 381 South St, Needham, MA 02492

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 2,527 sqft · built 1996
Lot Size	1.54 acres (67,082 sqft)
Owner	2 Individual Names on File
Last Sale	$2,615,000 (Aug 2023)
Tax Bill	$28,026 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`M:2020005600000`

Property Details

APN / Parcel Number

Primary APN	`M:2020005600000`
Alternative APN	`NEED M:202.0 B:0056 L:0000.0`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	2,527 sqft Living Area
Gross Area	5,025 sqft
1st Floor Area	2,527 sqft
Basement Area	2,282 sqft
Unfinished Basement	932 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2010
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Hip
Roof Material	Asphalt
Lot Area	67,082 sqft (1.54 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	381 SOUTH ST
City	NEEDHAM
State	MA
Zip	02492-2761
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Subdivision	PLAN 6300-35
Legal Block	56
Jurisdiction	NEEDHAM MA
Township / Civil Division	NEEDHAM
Census Block Group	2
Census Block	2004
Census Tract	403300

Owner

Source: Norfolk County and Needham Town assessment roll, as of April 14, 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 File
Mailing Address	381 SOUTH ST, NEEDHAM, MA 02492-2761
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA
Mar 31, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK
Sep 27, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 28, 2023 · Amount on Record
Deed Sale	Aug 28, 2023 · Amount on Record
Prior Sale	Mar 31, 2021 · Amount on Record
Deed Document Number	20231525720
Record Updated	Sep 20, 2026

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEEDHAM MA
Recording Date	Aug 28, 2023
Property Address	381 SOUTH ST, NEEDHAM, MA 02492-2761
Document Number	0001525720
Instrument Date	Aug 28, 2023
Instrument	1525720
Transaction Type	Transfer
Record Updated	Sep 15, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV 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	381 SOUTH ST, NEEDHAM, MA 02492-2761

Mortgage

Document Number	0001525721
Date	Aug 28, 2023
Instrument	1525721

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEEDHAM MA
Recording Date	Mar 31, 2021
Property Address	381 SOUTH ST, NEEDHAM, MA 02492-2761
Document Number	1472857
Instrument Date	Mar 31, 2021
Instrument	1472857
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV 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	381 SOUTH ST, NEEDHAM, MA 02492-2761

Mortgage

Document Number	1472858
Date	Mar 31, 2021
Instrument	1472858

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	1472859
Date	Mar 31, 2021
Instrument	1472859

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	381 SOUTH ST, NEEDHAM, MA 02492-2761
Document Number	0000009991
Instrument Date	Sep 27, 2018
Transaction Type	Mortgage
Record Updated	Oct 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	381 SOUTH ST NEEDHAM MA 024922761, NEEDHAM, MA 02492-2761

Mortgage

Document Number	0000009991
Date	Oct 10, 2018
Instrument	9991

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 9, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Norfolk County and Needham Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Norfolk County
County Subdivision	Needham Town
Unified School District	Needham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$28,026.00 (-1.42%)	$2,644,000 (+21.27%) Land $952,400 Building $1,691,600	$2,854,370 (+16.5%)
2024			$2,450,050
2023	$28,431.00	$2,180,300 Land $739,700 Building $1,440,600

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 May 26, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2023 · 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	Direct burnable vegetation at the parcel

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 212 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
Radiate Holdings Cable	1,500 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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