Norfolk County and Needham Town property record for 395 Charles River St, Needham, MA 02492
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 1,282 sqft · built 1970 |
| Lot Size | 1.06 acres (46,174 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,175,000 (Jun 2018) |
| Tax Bill | $17,223 (2025) |
| Deeds & Mortgages | Mar 2022 Line of Credit Dec 2022 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:3060000600000 |
| Primary APN | M:3060000600000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,282 sqft Living Area |
| Gross Area | 2,604 sqft |
| 1st Floor Area | 1,282 sqft |
| Basement Area | 1,282 sqft |
| Unfinished Basement | 282 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 46,174 sqft (1.06 acres) |
| Garage Type | Detached |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 395 CHARLES RIVER ST |
|---|---|
| City | NEEDHAM |
| State | MA |
| Zip | 02492-1005 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRA |
| Legal Block | 6 |
| Jurisdiction | NEEDHAM MA |
| Township / Civil Division | NEEDHAM |
| Census Block Group | 5 |
| Census Block | 5000 |
| Census Tract | 403400 |
Source: Norfolk County and Needham Town records, as of July 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 | 395 CHARLES RIVER ST, NEEDHAM, MA 02492-1005 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 14, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Dec 1, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Oct 3, 2017 | Deed of Trust, Mortgage · Closed-End Mortgage SANTANDER BANK NA |
| Jul 22, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Nov 12, 2020 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND |
| Jun 8, 2018 | Quit Claim Deed, Transfer LEADER BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 8, 2018 · Amount on Record |
| Deed Sale | Jun 8, 2018 · Amount on Record |
| Prior Sale | Aug 18, 1995 · Amount on Record |
| Deed Book / Page | 36045 / 398 |
| Transfer Doc | 036045-398 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 395 CHARLES RIVER ST, NEEDHAM, MA 02492-1005 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0040383-15 |
|---|---|
| Date | Mar 14, 2022 |
| Book Page | 40383/15 |
| Instrument | 22373 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Apr 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 395 CHARLES RIVER ST, NEEDHAM, MA 02492-1005 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 040949-144 |
|---|---|
| Date | Dec 1, 2022 |
| Book Page | 40949/144 |
| Instrument | 101286 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jan 1, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 395 CHARLES RIVER ST, NEEDHAM, MA 02492-1005 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0035492-58 |
|---|---|
| Date | Oct 3, 2017 |
| Book Page | 35492/58 |
| Instrument | 94269 |
| Name | SANTANDER BANK NA |
|---|
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 395 CHARLES RIVER ST, NEEDHAM, MA 02492-1005 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 038125-436 |
|---|---|
| Date | Jul 22, 2020 |
| Book Page | 38125/436 |
| Instrument | 72132 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 395 CHARLES RIVER ST, NEEDHAM, MA 02492-1005 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 038596-256 |
|---|---|
| Date | Nov 12, 2020 |
| Book Page | 38596/256 |
| Instrument | 125351 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Dec 1, 2045 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Recording Date | Jun 8, 2018 |
| Property Address | 395 CHARLES RIVER ST, NEEDHAM, MA 02492-1005 |
| Document Number | 036045-398 |
| Book / Page | 36045 / 398 |
| Instrument | 46827 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $113.26 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 395 CHARLES RIVER ST, NEEDHAM, MA 02492-1005 |
| Document Number | 0360450400 |
|---|---|
| Date | Jun 8, 2018 |
| Instrument | 36045/0400 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 8, 2048 |
Source: Norfolk County and Needham Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Norfolk County |
| County Subdivision | Needham Town |
| Unified School District | Needham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $17,223.00 (-4.47%) | $1,624,800 (+17.52%) Land $799,900 Building $824,900 | $1,763,865 (+6.84%) |
| 2024 | $1,651,005 | ||
| 2023 | $18,029.00 | $1,382,600 Land $721,200 Building $661,400 |
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 May 26, 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 | 7 in force |
| Nearby Flood Claims | 1 (1978) |
| Most Recent Claim | Feb 1978 · Coastal Storms, Flood, Ice & Snow |
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 | Low lower than 67% of the US · above 98.2% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 31 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 |
| Astound Broadband Cable | 1,500 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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