4 Cliff Ave, Winthrop, MA 02152 Property Records

Suffolk County and Winthrop Town City property record for 4 Cliff Ave, Winthrop, MA 02152

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,772 sqft · built 1948
Lot Size	0.28 acres (12,178 sqft)
Owner	Individual Name on File
Tax Bill	$15,379 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Dec 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINT M:072 L:058`

Property Details

APN / Parcel Number

Primary APN	`WINT M:072 L:058`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,772 sqft Living Area
Gross Area	8,054 sqft
Basement Area	1,722 sqft
Unfinished Basement	1,722 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Colonial
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,178 sqft (0.28 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4 CLIFF AVE
City	WINTHROP
State	MA
Zip	02152-1504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	WINTHROP SHORE LAND CO
Legal Lot Number	58
Jurisdiction	WINTHROP MA
Township / Civil Division	WINTHROP TOWN
Census Block Group	2
Census Block	2009
Census Tract	180101

Owner

4 Cliff Ave is owned and occupied by an individual.

Source: Suffolk County and Winthrop Town City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	4 CLIFF AVE, WINTHROP, MA 02152-1504
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
Oct 27, 2025	Deed of Trust, Mortgage · Line of Credit BANKESB
Dec 27, 2017	Deed of Trust, Mortgage NORTH SHORE BANK
Aug 4, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NORTH SHORE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	4 CLIFF AVE, WINTHROP, MA 02152-1504
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072024-301
Date	Oct 27, 2025
Book Page	72024/301
Instrument	68569

Lender

Name	BANKESB

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	4 CLIFF AVE, WINTHROP, MA 02152-1504
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58987-77
Date	Dec 27, 2017
Book Page	58987/77
Instrument	114298

Lender

Name	NORTH SHORE BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2032

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	4 CLIFF AVE, WINTHROP, MA 02152-1504
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63497-243
Date	Aug 4, 2020
Book Page	63497/243
Instrument	63765

Lender

Name	NORTH SHORE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 4 Cliff Ave was $15,379, up 10.3% from the year before.

Source: Suffolk County and Winthrop Town City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Suffolk County
Municipality	Winthrop Town City
Unified School District	Winthrop School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$15,379.00 (+10.25%)	$1,380,500 (+2.14%) Land $500,200 Building $880,300	$1,073,627
2025	$13,949.00 (+26%)	$1,351,600 (+27.21%) Land $528,300 Building $823,300
2024	$11,071.00 (-10.1%)	$1,062,500 (-7.68%) Land $529,900 Building $532,600
2023	$12,315.00	$1,150,900 Land $527,800 Building $623,100

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

Flood

FEMA maps place 4 Cliff Ave 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 January 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	25 (1978–2018)
Claims Outside the SFHA	16 of 25
Most Recent Claim	Aug 2018 · other causes
Claims by Event	Winter Coastal Storm, Dec 1992 · 3 claims Coastal Storm, Oct 1991 · 5 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 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

The area around 4 Cliff Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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	WINTHROP WATER DIVISION, (MWRA) serves 19,316 people · EPA ID MA3346000
Water Source	Purchased surface water from MWRA
Last State Inspection	Dec 2023
Lead	8 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 681 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, Netafy, Verizon.

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