40 Sargent Rd, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 40 Sargent Rd, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,492 sqft · built 1935
Lot Size	0.199 acres (8,660 sqft)
Owner	Individual Name on File
Last Sale	$1,290,000 (Dec 2025)
Tax Bill	$14,583 (2026)
Deeds & Mortgages	Aug 2025 Mortgage Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:006 B:0177 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:006 B:0177 L:0`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,492 sqft Living Area
Gross Area	2,370 sqft
Basement Area	810 sqft
Unfinished Basement	810 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,660 sqft (0.199 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	40 SARGENT RD
City	WINCHESTER
State	MA
Zip	01890-3948
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDB
Legal Subdivision	SYMES PARK PT 01
Legal Block	177
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	1
Census Block	1026
Census Tract	338500

Owner

40 Sargent Rd is owned and occupied by an individual who bought it in December 2025.

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

Owner of Record	Individual Name on File
Mailing Address	40 SARGENT RD, WINCHESTER, MA 01890-3948
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Aug 19, 2025	Deed of Trust, Mortgage WINCHESTER COOPERATIVE BANK
Dec 5, 2025	Quit Claim Deed, Transfer · Conventional Mortgage LEADER BANK NA
Jan 14, 2019	Deed of Trust, Mortgage · Balloon Mortgage WINCHESTER COOPERATIVE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2025 · Amount on File
Deed Sale	Dec 5, 2025 · Amount on File
Deed Document Number	2025149433
Deed Book / Page	84970 / 45
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	40 SARGENT RD, WINCHESTER, MA 01890-3948
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0084512-78
Date	Aug 19, 2025
Book Page	84512/78
Instrument	99695

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Aug 19, 2030
Index	5-Year CMT

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Dec 5, 2025
Property Address	40 SARGENT RD, WINCHESTER, MA 01890-3948
Document Number	0084970-45
Book / Page	84970 / 45
Instrument Date	Dec 5, 2025
Instrument	149433
Transaction Type	Transfer
Record Updated	Dec 24, 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
Address	40 SARGENT RD, WINCHESTER, MA 01890-3948

Mortgage

Document Number	0000149434
Date	Dec 5, 2025
Instrument	149434

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	40 SARGENT RD, WINCHESTER, MA 01890-3948
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72120-215
Date	Jan 14, 2019
Book Page	72120/215
Instrument	5033

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 40 Sargent Rd was $14,583, up 1.1% 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	$14,583.00 (+1.14%)	$1,316,200 (+1.24%) Land $897,800 Building $418,400	$1,271,434 (-6.82%)
2025	$14,418.00 (+5.66%)	$1,300,100 (+7.95%) Land $897,800 Building $402,300	$1,364,485
2024	$13,646.00 (+5.07%)	$1,204,400 (+9.43%) Land $833,600 Building $370,800
2023	$12,987.00	$1,100,600 Land $737,400 Building $363,200

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

Flood

FEMA maps place 40 Sargent Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2001.

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	5 in force
Nearby Flood Claims	2 (2001–2012)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2012 · rainfall accumulation

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 Sargent Rd 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	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	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 489 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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