4 Olde Lyme Rd, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 4 Olde Lyme Rd, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,388 sqft · built 1980
Lot Size	0.348 acres (15,150 sqft)
Owner	2 Individual Names on File
Last Sale	$1,881,900 (May 2025)
Tax Bill	$18,825 (2026)
Deeds & Mortgages	Jan 2022 Mortgage May 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:026 B:0021 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:026 B:0021 L:0`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,388 sqft Living Area
Gross Area	4,545 sqft
Basement Area	1,645 sqft
Unfinished Basement	693 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,150 sqft (0.348 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4 OLDE LYME RD
City	WINCHESTER
State	MA
Zip	01890-2212
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDB
Legal Block	21
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	1
Census Block	1000
Census Tract	338400

Owner

4 Olde Lyme Rd is owned and occupied by two individuals who bought it in May 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	4 OLDE LYME RD, WINCHESTER, MA 01890-2212
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jan 27, 2022	Deed of Trust, Mortgage · ARM HSBC BANK USA
May 30, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC
Aug 20, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2025 · Amount on File
Deed Sale	May 30, 2025 · Amount on File
Prior Sale	Aug 20, 2020 · Amount on File
Deed Book / Page	84158 / 214
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	4 OLDE LYME RD, WINCHESTER, MA 01890-2212
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079602-272
Date	Jan 27, 2022
Book Page	79602/272
Instrument	15158

Lender

Name	HSBC BANK USA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.98%
Type Change Date	Feb 1, 2032
Index	Other
Margin	3

May 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	May 30, 2025
Property Address	4 OLDE LYME RD, WINCHESTER, MA 01890-2212
Document Number	084158-214
Book / Page	84158 / 214
Instrument Date	May 30, 2025
Instrument	59802
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4 OLDE LYME RD, WINCHESTER, MA 01890-2212

Mortgage

Document Number	0000059803
Date	May 30, 2025
Instrument	59803

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Type Change Date	Jun 1, 2032
Max Rate At Change	3%
Index	Other
Margin	3

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Aug 20, 2020
Property Address	4 OLDE LYME RD, WINCHESTER, MA 01890-2212
Document Number	75415-280
Book / Page	075415 / 000280
Instrument Date	Aug 13, 2020
Instrument	142844
Transaction Type	Transfer
Record Updated	Sep 8, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$5,928.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6 OLDE LYME RD WINCHESTER MA 018902212, WINCHESTER, MA 01890-2212

Tax Assessment & Valuation

The 2026 property tax bill for 4 Olde Lyme Rd was $18,825, up 4.2% 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	$18,825.00 (+4.2%)	$1,699,000 (+4.3%) Land $951,700 Building $747,300	$1,782,803 (+17.25%)
2025	$18,066.00 (+4.31%)	$1,629,000 (+6.57%) Land $915,100 Building $713,900	$1,520,475
2024	$17,319.00 (+10.03%)	$1,528,600 (+14.6%) Land $841,900 Building $686,700
2023	$15,740.00	$1,333,900 Land $695,500 Building $638,400

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

Flood

FEMA maps place 4 Olde Lyme Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1996.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (1996–2010)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Mar 2010 · 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.

Wildfire

Wildfire risk around 4 Olde Lyme Rd is low, with less than 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 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 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	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 196 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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