40 Forest St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 40 Forest St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,806 sqft · built 1927
Lot Size	0.133 acres (5,793 sqft)
Owner	2 Individual Names on File
Last Sale	$782,000 (Feb 2019)
Tax Bill	$11,935 (2026)
Deeds & Mortgages	Sep 2019 Refinance Sep 2020 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:012 B:0092 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:012 B:0092 L:0`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,806 sqft Living Area
Gross Area	2,376 sqft
Basement Area	624 sqft
Unfinished Basement	156 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,793 sqft (0.133 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	40 FOREST ST
City	WINCHESTER
State	MA
Zip	01890-1235
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG
Legal Block	92
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	3
Census Block	3024
Census Tract	338200

Owner

40 Forest St is owned and occupied by two individuals who bought it in February 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	40 FOREST ST, WINCHESTER, MA 01890-1235
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Sep 3, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP
Sep 4, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP
Feb 8, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NEW FED MORTGAGE CORP
Sep 14, 2018	Quit Claim Deed, Transfer LEADER BANK NA
Jun 20, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2019 · Amount on File
Deed Sale	Feb 8, 2019 · Amount on File
Prior Sale	Sep 14, 2018 · Amount on File
Deed Book / Page	72212 / 140
Prior Transfer Date	Jan 24, 2019
Prior Transfer Doc	72212-140
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	40 FOREST ST, WINCHESTER, MA 01890-1235
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73219-373
Date	Sep 3, 2019
Book Page	73219/373
Instrument	132521

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	40 FOREST ST, WINCHESTER, MA 01890-1235
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75541-339
Date	Sep 4, 2020
Book Page	75541/339
Instrument	154819

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Feb 8, 2019
Property Address	40 FOREST ST, WINCHESTER, MA 01890-1235
Document Number	72212-140
Book / Page	72212 / 140
Instrument Date	Jan 24, 2019
Instrument	16706
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Address	40 FOREST ST, WINCHESTER, MA 01890-1235

Mortgage

Document Number	16707
Date	Feb 8, 2019
Instrument	16707

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Sep 14, 2018
Property Address	40 FOREST ST, WINCHESTER, MA 01890-1235
Document Number	71618-76
Book / Page	71618 / 76
Instrument	142566
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$80.03
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	716180078
Date	Sep 14, 2018
Instrument	71618/0078

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	180 Months
Due	Sep 14, 2033

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	40 FOREST ST, WINCHESTER, MA 01890-1235
Document Number	71269-125
Instrument Date	Jun 20, 2018
Transaction Type	Mortgage
Record Updated	Jul 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 FOREST ST WINCHESTER MA 018901235, WINCHESTER, MA 01890-1235

Mortgage

Document Number	71269-125
Date	Jul 5, 2018
Book Page	071269/000125
Instrument	98910

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 40 Forest St was $11,935, up 10,100.9% 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	$11,935.00 (+10,100.85%)	$1,077,200 (+1.81%) Land $691,300 Building $385,900	$1,176,742 (+13.83%)
2025	$117.00 (-98.91%)	$1,058,000 (+11.57%) Land $691,300 Building $366,700	$1,033,790
2024	$10,744.00 (+4.02%)	$948,300 (+8.34%) Land $601,100 Building $347,200
2023	$10,329.00	$875,300 Land $541,000 Building $334,300

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

Flood

FEMA maps place 40 Forest St 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 September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 28 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	113 units insured incl. 85 condo units

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 40 Forest St is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 260 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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