39 Melody Ln, Waltham, MA 02451 Property Records

Middlesex County and Waltham City property record for 39 Melody Ln, Waltham, MA 02451

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,408 sqft · built 1992
Lot Size	0.483 acres (21,048 sqft)
Owner	Individual Name on File
Last Sale	$287,500 (Dec 1996)
Tax Bill	$11,523 (2026)
Deeds & Mortgages	Sep 2022 Refinance Jul 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`77071`

Property Details

APN / Parcel Number

Primary APN	`77071`
Alternative APN	`WALT M:005 B:008 L:0020`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,408 sqft Living Area
Gross Area	4,952 sqft
Basement Area	1,204 sqft
Unfinished Basement	1,204 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	21,048 sqft (0.483 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	77071
Street Address	39 MELODY LN
City	WALTHAM
State	MA
Zip	02451-1327
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Block	8
Legal Lot Number	20
Jurisdiction	WALTHAM MA
Township / Civil Division	WALTHAM
Census Block Group	2
Census Block	2004
Census Tract	368102

Owner

39 Melody Ln is owned and occupied by an individual who bought it in December 1996.

Source: Middlesex County and Waltham City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	39 MELODY LN, WALTHAM, MA 02451-1327
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 22, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FIGURE LENDING LCC
Jul 11, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE
Jul 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FIGURE LENDING LCC
Oct 21, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) DISCOVER BANK
May 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NEWREZ LLC
Feb 13, 2020	Deed of Trust, Mortgage · Balloon Mortgage FIGURE LENDING LCC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 1996 · Amount on File
Deed Sale	Dec 17, 1996 · Amount on File
Prior Sale	Jul 11, 1988 · Amount on File
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	39 MELODY LN, WALTHAM, MA 02451-1327
Transaction Type	Mortgage
Record Updated	Oct 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080740-342
Date	Sep 22, 2022
Book Page	80740/342
Instrument	143684

Lender

Name	FIGURE LENDING LCC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	39 MELODY LN, WALTHAM, MA 02451-1327
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080414-52
Date	Jul 11, 2022
Book Page	80414/52
Instrument	105317

Lender

Name	ROCKET MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	39 MELODY LN, WALTHAM, MA 02451-1327
Transaction Type	Mortgage
Record Updated	Jan 17, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078307-556
Date	Jul 23, 2021
Book Page	78307/556
Instrument	165581

Lender

Name	FIGURE LENDING LCC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2036

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	39 MELODY LN, WALTHAM, MA 02451-1327
Transaction Type	Mortgage
Record Updated	Nov 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78962-427
Date	Oct 21, 2021
Book Page	78962/427
Instrument	231076

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	39 MELODY LN, WALTHAM, MA 02451-1327
Transaction Type	Mortgage
Record Updated	Jun 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	77841-361
Date	May 24, 2021
Book Page	77841/361
Instrument	116928

Lender

Name	NEWREZ LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	39 MELODY LN, WALTHAM, MA 02451-1327
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74126-446
Date	Feb 13, 2020
Book Page	74126/446
Instrument	21940

Lender

Name	FIGURE LENDING LCC

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	121 Months
Due	Mar 1, 2030

Tax Assessment & Valuation

The 2026 property tax bill for 39 Melody Ln was $11,523, up 9.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,523.00 (+9.9%)	$1,116,600 (+4.58%) Land $556,200 Building $560,400	$1,239,092 (+36.72%)
2025	$10,485.00 (+5.17%)	$1,067,700 (+3.24%) Land $530,200 Building $537,500	$906,300 (-10.6%)
2024	$9,970.00 (+1.27%)	$1,034,200 (+8.41%) Land $505,200 Building $529,000	$1,013,745
2023	$9,845.00	$954,000 Land $460,200 Building $493,800

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

Flood

FEMA maps place 39 Melody Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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
Nearby Flood Policies	8 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Feb 1978 · tidal / storm surge

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 39 Melody Ln is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WALTHAM WATER DEPARTMENT serves 65,218 people · EPA ID MA3308000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jun 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 192 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

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