396 Main St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 396 Main St, Winchester, MA 01890

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,512 sqft · built 1850
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$580,000 (Apr 2018)
Tax Bill	$8,167 (2026)
Deeds & Mortgages	Apr 2020 Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WINC M:008 B:0199 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:008 B:0199 L:0`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	3 Stories
Building Area	1,512 sqft Living Area
Gross Area	2,318 sqft
1st Floor Area	936 sqft
Basement Area	596 sqft
Unfinished Basement	596 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	396 MAIN ST
City	WINCHESTER
State	MA
Zip	01890-2911
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RDB
Legal Block	199
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	3
Census Block	3003
Census Tract	338500

Owner

396 Main St, a condominium, is owned by two individuals who bought it in April 2018.

Source: Middlesex County and Winchester Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	27 CUSHING ST, MEDFORD, MA 02155-4850
Owner Type	Individual
Vesting	Husband and Wife

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
Apr 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage NAVEO CU
Apr 20, 2018	Quit Claim Deed, Transfer · Conventional Mortgage NAVEO CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2018 · Amount on File
Deed Sale	Apr 20, 2018 · Amount on File
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	396 MAIN ST, WINCHESTER, MA 01890-2911
Document Number	0001840851
Instrument Date	Apr 23, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	396 MAIN ST #396 WINCHESTER MA 018902911, 396, WINCHESTER, MA 01890-2911

Mortgage

Document Number	0001840851
Date	Apr 29, 2020
Instrument	1840851

Lender

Name	NAVEO CU

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 28, 2050

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Apr 20, 2018
Property Address	396 MAIN ST, WINCHESTER, MA 01890-2911
Document Number	0000085837
Instrument Date	Apr 17, 2018
Instrument	85837
Transaction Type	Transfer
Record Updated	May 8, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,644.80
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	396 MAIN ST #396 WINCHESTER MA 018902911, 396, WINCHESTER, MA 01890-2911

Mortgage

Document Number	85838
Date	Apr 20, 2018
Instrument	85838

Lender

Name	NAVEO CU

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 19, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 396 Main St was $8,167, up 10,238% from the year before.

Source: Middlesex County and Winchester Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Winchester Town
Unified School District	Winchester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,167.00 (+10,237.97%)	$737,100 (+2.9%) Building $737,100	$793,699 (-2.69%)
2025	$79.00 (-98.99%)	$716,300 (+3.99%) Building $716,300	$815,670
2024	$7,804.00 (-0.31%)	$688,800 (+3.83%) Building $688,800
2023	$7,828.00	$663,400 Building $663,400

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

Flood

FEMA maps place 396 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	4 (2001–2010)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 claims

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 396 Main St 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	None beyond 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	WINCHESTER WATER DEPT serves 22,970 people · EPA ID MA3344000
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 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 404 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: AT&T, T-Mobile.

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