40 Willow St, Quincy, MA 02170 Property Records

Norfolk County and Quincy City property record for 40 Willow St, Quincy, MA 02170

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,660 sqft · built 1890
Lot Size	0.239 acres (10,414 sqft)
Owner	2 Individual Names on File
Last Sale	$767,000 (Jun 2019)
Tax Bill	$12,480 (2026)
Deeds & Mortgages	Mar 2021 Refinance Jun 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:5035 B:1 L:330`

Property Details

APN / Parcel Number

Primary APN	`M:5035 B:1 L:330`
Alternative APNs	`QUIN M:5035 B:1 L:330` `1448401`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,660 sqft Living Area
Gross Area	4,928 sqft
Basement Area	1,168 sqft
Unfinished Basement	1,168 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gambrel
Roof Material	Slate
Lot Area	10,414 sqft (0.239 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	1448401
Street Address	40 WILLOW ST
City	QUINCY
State	MA
Zip	02170-2810
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESA
Legal Block	1
Legal Lot Number	330
Jurisdiction	QUINCY MA
Township / Civil Division	QUINCY
Census Block Group	3
Census Block	3015
Census Tract	417601

Owner

40 Willow St is owned and occupied by two individuals who bought it in June 2019.

Source: Norfolk County and Quincy City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	40 WILLOW ST, QUINCY, MA 02170-2810
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Mar 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance EMBRACE HOME LOANS INC
Jun 26, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance EMBRACE HOME LOANS INC
Jun 18, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MSA LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2019 · Amount on File
Deed Sale	Jun 18, 2019 · Amount on File
Prior Sale	Mar 2, 2010 · Amount on File
Deed Document Number	201948785
Deed Book / Page	36889 / 111
Prior Transfer Date	Jun 10, 2019
Prior Transfer Doc	36889-111
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUINCY MA
Property Address	40 WILLOW ST, QUINCY, MA 02170-2810
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39097-128
Date	Mar 5, 2021
Book Page	39097/128
Instrument	29493

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUINCY MA
Property Address	40 WILLOW ST, QUINCY, MA 02170-2810
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38027-34
Date	Jun 26, 2020
Book Page	38027/34
Instrument	61105

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

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

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	QUINCY MA
Recording Date	Jun 18, 2019
Property Address	40 WILLOW ST, QUINCY, MA 02170-2810
Document Number	36889-111
Book / Page	36889 / 111
Instrument Date	Jun 10, 2019
Instrument	48785
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 WILLOW ST, QUINCY, MA 02170-2810

Mortgage

Document Number	48786
Date	Jun 18, 2019
Instrument	48786

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 40 Willow St was $12,480, up 7.4% from the year before.

Source: Norfolk County and Quincy City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Norfolk County
Municipality	Quincy City
Unified School District	Quincy School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,480.00 (+7.35%)	$1,059,400 (+5.08%) Land $408,000 Building $651,400	$936,035 (-)
2025	$11,625.00 (+3.57%)	$1,008,200 (+1.24%) Land $388,800 Building $619,400	$936,035 (+0.79%)
2024	$11,224.00 (+7.77%)	$995,900 (+6.42%) Land $388,800 Building $607,100	$928,720
2023	$10,415.00	$935,800 Land $370,600 Building $565,200

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

Flood

FEMA maps place 40 Willow 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 May 26, 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	5 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

The area around 40 Willow St has no burnable land within ember reach, so its wildfire risk is not rated.

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	QUINCY WATER DEPT. (MWRA) serves 106,000 people · EPA ID MA3243000
Water Source	Purchased surface water from MWRA
Last State Inspection	May 2024
Lead	21 ppb (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	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 768 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	1,000 / 75
AT&T Fixed Wireless	100 / 20

May also be available: Netafy, Starry, T-Mobile.

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