Middlesex County and Melrose City property record for 39 Ridgewood Ln, Melrose, MA 02176
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,986 sqft · built 1958 |
| Lot Size | 0.186 acres (8,098 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $465,000 (May 2012) |
| Tax Bill | $9,657 (2026) |
| Deeds & Mortgages | Feb 2023 Mortgage Nov 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | MELR M:0H9 P:0000019 |
| Primary APN | MELR M:0H9 P:0000019 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,986 sqft Living Area |
| Gross Area | 2,784 sqft |
| Basement Area | 1,092 sqft |
| Unfinished Basement | 546 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,098 sqft (0.186 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 39 RIDGEWOOD LN |
|---|---|
| City | MELROSE |
| State | MA |
| Zip | 02176-4208 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRB |
| Jurisdiction | MELROSE MA |
| Township / Civil Division | MELROSE |
| Census Block Group | 6 |
| Census Block | 6001 |
| Census Tract | 336300 |
Source: Middlesex County and Melrose City records, as of October 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 | 39 RIDGEWOOD LN, MELROSE, MA 02176-4208 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Feb 23, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) ST MARYS CREDIT UNION |
| Nov 24, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 14, 2012 · Amount on Record |
| Deed Sale | May 14, 2012 · Amount on Record |
| Prior Sale | Nov 14, 2005 · Amount on Record |
| Deed Book / Page | 59087 / 138 |
| Transfer Doc | 059087-138 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MELROSE MA |
| Property Address | 39 RIDGEWOOD LN, MELROSE, MA 02176-4208 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 081270-105 |
|---|---|
| Date | Feb 23, 2023 |
| Book Page | 81270/105 |
| Instrument | 18408 |
| Name | ST MARYS CREDIT UNION |
|---|
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 145 Months |
| Due | Mar 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MELROSE MA |
| Property Address | 39 RIDGEWOOD LN, MELROSE, MA 02176-4208 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 76259-386 |
|---|---|
| Date | Nov 24, 2020 |
| Book Page | 76259/386 |
| Instrument | 222581 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
Source: Middlesex County and Melrose City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Melrose City |
| Unified School District | Melrose School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,657.00 (+12,124.05%) | $841,900 (+4.94%) Land $516,700 Building $325,200 | $968,490 (+13.96%) |
| 2025 | $79.00 (-99.01%) | $802,300 (-) Land $516,700 Building $285,600 | $849,870 |
| 2024 | $7,967.00 (+3.98%) | $802,300 (+9.11%) Land $516,700 Building $285,600 | |
| 2023 | $7,662.00 | $735,300 Land $460,800 Building $274,500 |
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 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 |
| Flood Insurance Cost | Premium on Record median of 15 policies |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 2 (1978–2006) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | May 2006 · 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 207 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Netafy Fixed Wireless | 476 / 106 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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