39 Echo St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 39 Echo St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,806 sqft · built 1950
Lot Size	0.158 acres (6,869 sqft)
Owner	2 Individual Names on Record
Last Sale	$765,000 (Jul 2023)
Tax Bill	$70 (2025)
Deeds & Mortgages	Dec 2022 Refinance Jul 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0F4 P:0000037`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0F4 P:0000037`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,806 sqft Living Area
Gross Area	2,616 sqft
Basement Area	840 sqft
Unfinished Basement	504 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,869 sqft (0.158 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	39 ECHO ST
City	MELROSE
State	MA
Zip	02176-5624
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URA
Legal Subdivision	MELROSE
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	3
Census Block	3009
Census Tract	336300

Owner

Source: Middlesex County and Melrose City records, 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 Record
Mailing Address	39 ECHO ST, MELROSE, MA 02176-5624
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Jul 14, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE
Feb 27, 2018	Deed of Trust, Mortgage BANK OF AMERICA NA
Nov 20, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2023 · Amount on Record
Deed Sale	Jul 14, 2023 · Amount on Record
Prior Sale	Oct 29, 1993 · Amount on Record
Deed Book / Page	81768 / 406
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	39 ECHO ST, MELROSE, MA 02176-5624
Transaction Type	Mortgage
Record Updated	Nov 20, 2025
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081112-298
Date	Dec 29, 2022
Book Page	81112/298
Instrument	188069

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2052

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Jul 14, 2023
Property Address	39 ECHO ST, MELROSE, MA 02176-5624
Document Number	081768-406
Book / Page	81768 / 406
Instrument Date	Jul 14, 2023
Instrument	77287
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	39 ECHO ST, MELROSE, MA 02176-5624

Mortgage

Document Number	0000077288
Date	Jul 14, 2023
Instrument	77288

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	39 ECHO ST, MELROSE, MA 02176-5624
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70671-261
Date	Feb 27, 2018
Book Page	70671/261
Instrument	26669

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	39 ECHO ST, MELROSE, MA 02176-5624
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76231-260
Date	Nov 20, 2020
Book Page	76231/260
Instrument	219806

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

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

Tax Assessment & Valuation

Source: Middlesex County and Melrose City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Melrose City
Unified School District	Melrose School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$70.00 (-98.98%)	$711,400 (+3.27%) Land $482,300 Building $229,100	$766,840
2024	$6,841.00 (-0.84%)	$688,900 (+4.05%) Land $468,500 Building $220,400
2023	$6,899.00	$662,100 Land $454,800 Building $207,300

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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	Not rated no burnable land within 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	MELROSE WATER DIVISION (MWRA) serves 29,938 people · EPA ID MA3178000
Water Source	Purchased surface water from MWRA
Last State Inspection	Oct 2025
Lead	10 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement currently in violation since Nov 2021
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 723 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
Netafy Fixed Wireless	520 / 116

May also be available: T-Mobile.

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