40 Aaron St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 40 Aaron St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,848 sqft · built 1955
Lot Size	1.48 acres (64,660 sqft)
Owner	Individual Name on Record
Last Sale	$700,000 (Sep 2020)
Tax Bill	$9,192 (2026)
Deeds & Mortgages	Jul 2021 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0A5 P:0000017`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0A5 P:0000017`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,848 sqft Living Area
Gross Area	3,026 sqft
Basement Area	1,204 sqft
Unfinished Basement	602 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	64,660 sqft (1.48 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	40 AARON ST
City	MELROSE
State	MA
Zip	02176-4316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URA
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	1
Census Block	1000
Census Tract	336403

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	40 AARON ST, MELROSE, MA 02176-4316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2021	Deed of Trust, Mortgage · Line of Credit HANSCOM FCU
Apr 30, 2021	Deed of Trust, Mortgage · ARM WASHINGTON TRUST MORTGAGE CO
Sep 2, 2020	Quit Claim Deed, Transfer · Conventional Mortgage WASHINGTON TR MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2020 · Amount on Record
Deed Sale	Sep 2, 2020 · Amount on Record
Deed Document Number	20201852121
Prior Transfer Date	Jul 20, 2020
Prior Transfer Doc	1852121
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	40 AARON ST, MELROSE, MA 02176-4316
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1885512
Date	Jul 2, 2021
Instrument	1885512

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	40 AARON ST, MELROSE, MA 02176-4316
Transaction Type	Mortgage
Record Updated	May 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1878416
Date	Apr 30, 2021
Instrument	1878416

Lender

Name	WASHINGTON TRUST MORTGAGE CO

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.63%
Type Change Date	May 1, 2028
Index	Other
Margin	3

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Sep 2, 2020
Property Address	40 AARON ST, MELROSE, MA 02176-4316
Document Number	0001852121
Instrument Date	Jul 20, 2020
Instrument	1852121
Transaction Type	Transfer
Record Updated	Sep 24, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,192.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 AARON ST MELROSE MA 021764316, MELROSE, MA 02176-4316

Mortgage

Document Number	1852122
Date	Sep 2, 2020
Instrument	1852122

Lender

Name	WASHINGTON TR MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

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	$9,192.00 (+11,994.74%)	$801,400 (+3.27%) Land $443,600 Building $357,800	$786,012 (-8.09%)
2025	$76.00 (-98.96%)	$776,000 (+5.75%) Land $443,600 Building $332,400	$855,190
2024	$7,287.00 (+2.33%)	$733,800 (+7.37%) Land $416,600 Building $317,200
2023	$7,121.00	$683,400 Land $387,300 Building $296,100

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	1 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	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 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	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 484 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 / 250
Netafy Fixed Wireless	476 / 106
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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