4 Summer St, #1, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 4 Summer St, #1, Melrose, MA 02176

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 1,175 sqft · built 1900
Owner	2 Individual Names on Record
Last Sale	$291,000 (Mar 2015)
Tax Bill	$40 (2025)
Deeds & Mortgages	Apr 2021 Refinance Aug 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:0C5 P:00142=1`

Property Details

APN / Parcel Number

Primary APN	`M:0C5 P:00142=1`
Alternative APN	`MELR M:0C5 P:00142-1`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,175 sqft Living Area
Gross Area	3,525 sqft
Basement Area	294 sqft
Unfinished Basement	294 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Gravity Furnace
Heating Fuel	Gas

Location & Zoning

Street Address	4 SUMMER ST, 1
City	MELROSE
State	MA
Zip	02176-4610
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	URA
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	1
Census Block	1005
Census Tract	336404

Owner

Source: Middlesex County and Melrose City records, as of April 14, 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	4 SUMMER ST, 1, MELROSE, MA 02176-4610
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Aug 30, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) HARVARD FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2015 · Amount on Record
Deed Sale	Mar 9, 2015 · Amount on Record
Prior Sale	Nov 24, 2014 · Amount on Record
Deed Book / Page	65023 / 577
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	4 SUMMER ST # 1, 1, MELROSE, MA 02176-4610
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077543-512
Date	Apr 16, 2021
Book Page	77543/512
Instrument	87368

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	4 SUMMER ST # 1, 1, MELROSE, MA 02176-4610
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	083192-352
Date	Aug 30, 2024
Book Page	83192/352
Instrument	98789

Lender

Name	HARVARD FEDERAL CREDIT UNION

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	61 Months
Due	Sep 1, 2029

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
2025	$40.00 (-98.99%)	$404,100 (+1.08%) Building $404,100	$412,965
2024	$3,970.00 (-1.71%)	$399,800 (+3.15%) Building $399,800
2023	$4,039.00	$387,600 Building $387,600

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 802 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
Netafy Fixed Wireless	476 / 106
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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