4 Spear St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 4 Spear St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,192 sqft · built 1967
Lot Size	0.123 acres (5,367 sqft)
Owner	Individual Name on Record
Last Sale	$335,000 (Jul 2003)
Tax Bill	$8,295 (2026)
Deeds & Mortgages	May 2021 Refinance Feb 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0E3 P:0000112`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0E3 P:0000112`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,192 sqft Living Area
Basement Area	576 sqft
Finished Basement	576 sqft
Unfinished Basement	576 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1980
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,367 sqft (0.123 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	4 SPEAR ST
City	MELROSE
State	MA
Zip	02176-5616
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	4
Census Block	4012
Census Tract	336300

Owner

Source: Middlesex County and Melrose City records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	4 SPEAR ST, MELROSE, MA 02176-5616
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Feb 10, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE CENTS SAVINGS BANK
May 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2003 · Amount on Record
Deed Sale	Jul 15, 2003 · Amount on Record
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	4 SPEAR ST, MELROSE, MA 02176-5616
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001878567
Date	May 3, 2021
Instrument	1878567

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	4 SPEAR ST, MELROSE, MA 02176-5616
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001906268
Date	Feb 10, 2022
Instrument	1906268

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	4 SPEAR ST, MELROSE, MA 02176-5616
Transaction Type	Mortgage
Record Updated	May 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1878567
Date	May 3, 2021
Instrument	1878567

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

Tax Assessment & Valuation

Source: Middlesex County and Melrose City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Melrose City
Unified School District	Melrose School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,295.00 (+11,75%)	$723,200 (+1.27%) Land $378,200 Building $345,000	$783,850 (-2.4%)
2025	$70.00 (-98.96%)	$714,100 (+4.91%) Land $378,200 Building $335,900	$803,130
2024	$6,759.00 (+11.53%)	$680,700 (+17.04%) Land $353,800 Building $326,900
2023	$6,060.00	$581,600 Land $329,400 Building $252,200

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

Flood

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
Nearby Flood Policies	2 in force

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

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 689 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Netafy.

Cell Coverage

5G (outdoors only) and 4G LTE

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