409 Main St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 409 Main St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	7 bd · 4.5 ba · 3,946 sqft · built 1868
Lot Size	0.293 acres (12,772 sqft)
Owner	2 Individual Names on File
Last Sale	$1,130,000 (Nov 2010)
Tax Bill	$22,742 (2026)
Deeds & Mortgages	May 2022 Line of Credit Nov 2020 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:005 B:0250 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:005 B:0250 L:0`

Interior

Bedrooms	7 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	3 Stories
Building Area	3,946 sqft Living Area
Gross Area	6,196 sqft
Basement Area	1,794 sqft
Unfinished Basement	1,794 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1868
Effective Year Built	Effective 1868
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,772 sqft (0.293 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	409 MAIN ST
City	WINCHESTER
State	MA
Zip	01890-2925
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDB
Legal Block	250
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	3
Census Block	3011
Census Tract	338500

Owner

409 Main St is owned and occupied by two individuals who bought it in November 2010.

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

Owner of Record	2 Individual Names on File
Mailing Address	409 MAIN ST, WINCHESTER, MA 01890-2925
Occupancy	Owner Occupied
Owner Type	Individual

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
May 4, 2022	Deed of Trust, Mortgage · Line of Credit WINCHESTER COOPERATIVE BANK
Nov 20, 2020	Deed of Trust, Mortgage · Second Mortgage (Down Payment) WINCHESTER COOPERATIVE BANK
Nov 20, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WINCHESTER COOPERATIVE BANK
Jun 1, 2019	Deed of Trust, Mortgage · Line of Credit QUAD CTY BK&TR
Jun 1, 2019	Deed of Trust, Mortgage QUAD CTY BK&TR
Jun 1, 2019	Deed of Trust, Mortgage · Line of Credit QUAD CTY BK&TR
Oct 17, 2018	Deed of Trust, Mortgage QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2010 · Amount on File
Deed Sale	Nov 8, 2010 · Amount on File
Prior Sale	Jul 20, 2001 · Amount on File
Deed Document Number	2010203011
Deed Book / Page	55779 / 298
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	409 MAIN ST, WINCHESTER, MA 01890-2925
Transaction Type	Mortgage
Record Updated	May 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080077-518
Date	May 4, 2022
Book Page	80077/518
Instrument	66978

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2042

Interest

Rate Type	Adjustable Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	409 MAIN ST, WINCHESTER, MA 01890-2925
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76225-158
Date	Nov 20, 2020
Book Page	76225/158
Instrument	219240

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	409 MAIN ST, WINCHESTER, MA 01890-2925
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76225-140
Date	Nov 20, 2020
Book Page	76225/140
Instrument	219239

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

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

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	409 MAIN ST, WINCHESTER, MA 01890-2925
Document Number	72724-295
Instrument Date	Jun 1, 2019
Transaction Type	Mortgage
Record Updated	Jun 25, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	409 MAIN ST WINCHESTER MA 018902925, WINCHESTER, MA 01890-2925

Mortgage

Document Number	72724-295
Date	Jun 7, 2019
Book Page	072724/000295
Instrument	76837

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 6, 2049

Interest

Rate Type	Adjustable Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	409 MAIN ST, WINCHESTER, MA 01890-2925
Document Number	73336-553
Instrument Date	Jun 1, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	409 MAIN ST WINCHESTER MA 018902925, WINCHESTER, MA 01890-2925

Mortgage

Document Number	73336-553
Date	Sep 25, 2019
Book Page	073336/000553
Instrument	145695

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 24, 2049

Interest

Rate Type	Adjustable Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	409 MAIN ST, WINCHESTER, MA 01890-2925
Document Number	72739-428
Instrument Date	Jun 1, 2019
Transaction Type	Mortgage
Record Updated	Jul 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	409 MAIN ST WINCHESTER MA 018902925, WINCHESTER, MA 01890-2925

Mortgage

Document Number	72739-428
Date	Jun 11, 2019
Book Page	072739/000428
Instrument	78620

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 10, 2049

Interest

Rate Type	Adjustable Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	409 MAIN ST, WINCHESTER, MA 01890-2925
Document Number	71789-553
Instrument Date	Oct 17, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	409 MAIN ST WINCHESTER MA 018902925, WINCHESTER, MA 01890-2925

Mortgage

Document Number	71789-553
Date	Oct 25, 2018
Book Page	071789/000553
Instrument	163840

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 24, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.88%

Tax Assessment & Valuation

The 2026 property tax bill for 409 Main St was $22,742, up 10,332.1% 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	$22,742.00 (+10,332.11%)	$2,052,500 (+4%) Land $908,400 Building $1,144,100	$2,262,739 (+4.41%)
2025	$218.00 (-98.99%)	$1,973,500 (+3.86%) Land $873,500 Building $1,100,000	$2,167,235
2024	$21,529.00 (+2.56%)	$1,900,200 (+6.82%) Land $873,500 Building $1,026,700
2023	$20,991.00	$1,778,900 Land $768,700 Building $1,010,200

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

Flood

FEMA maps place 409 Main 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	4 (2001–2010)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 claims

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 409 Main 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

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 404 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: AT&T, T-Mobile.

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