40 Upland Rd, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 40 Upland Rd, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 3,400 sqft · built 1898
Lot Size	0.346 acres (15,059 sqft)
Owner	2 Individual Names on File
Last Sale	$1,915,000 (Aug 2025)
Tax Bill	$11,423 (2025)
Deeds & Mortgages	Sep 2024 Refinance Jun 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:B11 P:0000065`

Property Details

APN / Parcel Number

Primary APN	`MELR M:B11 P:0000065`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	3,400 sqft Living Area
Gross Area	6,104 sqft
Basement Area	1,487 sqft
Unfinished Basement	1,487 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1898
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	15,059 sqft (0.346 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	40 UPLAND RD
City	MELROSE
State	MA
Zip	02176-1711
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URA
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	4
Census Block	4011
Census Tract	336100

Owner

Source: Middlesex County and Melrose City assessment roll, 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 File
Mailing Address	40 UPLAND RD, MELROSE, MA 02176-1711
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance MICHAEK J RICHARDS
Jun 20, 2025	Deed of Trust, Mortgage RFLF 4 LLC
Aug 22, 2025	Quit Claim Deed, Transfer · Conventional Mortgage METRO CU
May 14, 2024	Foreclosure · Stand-Alone First Mortgage RFLF 7 LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 22, 2025 · Amount on Record
Deed Sale	Aug 22, 2025 · Amount on Record
Prior Sale	May 14, 2024 · Amount on Record
Deed Document Number	2025101248
Deed Book / Page	84526 / 276
Record Updated	Sep 20, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	40 UPLAND RD, MELROSE, MA 02176-1711
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	083229-426
Date	Sep 12, 2024
Book Page	83229/426
Instrument	103065

Lender

Name	MICHAEK J RICHARDS

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	40 UPLAND RD, MELROSE, MA 02176-1711
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084254-300
Date	Jun 20, 2025
Book Page	84254/300
Instrument	70507

Lender

Name	RFLF 4 LLC

Agreement

Amount	Amount Recorded

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Aug 22, 2025
Property Address	40 UPLAND RD, MELROSE, MA 02176-1711
Document Number	084526-276
Book / Page	84526 / 276
Instrument Date	Aug 22, 2025
Instrument	101248
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	40 UPLAND RD, MELROSE, MA 02176-1711

Mortgage

Document Number	0000101249
Date	Aug 22, 2025
Instrument	101249

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

May 2024: Foreclosure

Document Type	Foreclosure
Jurisdiction	MELROSE MA
Recording Date	May 14, 2024
Property Address	40 UPLAND RD, MELROSE, MA 02176-1711
Document Number	00082765-4
Book / Page	82765 / 4
Instrument Date	May 10, 2024
Instrument	49015
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	135 SEAPORT BLVD APT 1703, 1703, BOSTON, MA 02210-2723

Mortgage

Document Number	0000049018
Date	May 14, 2024
Instrument	49018

Lender

Name	RFLF 7 LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$11,423.00 (+2.23%)	$1,153,800 (+2.53%) Land $470,400 Building $683,400	$951,140
2024	$11,174.00 (-9.42%)	$1,125,300 (-4.95%) Land $441,900 Building $683,400
2023	$12,336.00	$1,183,900 Land $427,600 Building $756,300

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

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 645 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 USA Fixed Wireless	100 / 20

May also be available: AT&T, Radiate Holdings.

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