41 Lloyd St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 41 Lloyd St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,107 sqft · built 1900
Lot Size	0.122 acres (5,323 sqft)
Owner	2 Individual Names on File
Last Sale	$660,000 (Mar 2011)
Tax Bill	$14,820 (2026)
Deeds & Mortgages	Mar 2024 Mortgage Feb 2022 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:008 B:0117 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:008 B:0117 L:0`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,107 sqft Living Area
Gross Area	3,843 sqft
Basement Area	942 sqft
Unfinished Basement	942 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,323 sqft (0.122 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	41 LLOYD ST
City	WINCHESTER
State	MA
Zip	01890-2929
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDB
Legal Block	117
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	3
Census Block	3007
Census Tract	338500

Owner

41 Lloyd St is owned and occupied by two individuals who bought it in March 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	41 LLOYD ST, WINCHESTER, MA 01890-2929
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 15, 2024	Deed of Trust, Mortgage · FHA Mortgage ROCKLAND TRUST CO
Feb 10, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BROOKLINE BANK
Feb 1, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BROOKLINE BANK
Feb 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKLAND TRUST CO
Apr 7, 2017	Deed of Trust, Mortgage · Line of Credit ROCKLAND TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2011 · Amount on File
Deed Sale	Mar 8, 2011 · Amount on File
Prior Sale	Feb 28, 2002 · Amount on File
Deed Document Number	20114
Deed Book / Page	56573 / 314
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	41 LLOYD ST, WINCHESTER, MA 01890-2929
Transaction Type	Mortgage
Record Updated	Mar 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0082573-11
Date	Mar 15, 2024
Book Page	82573/11
Instrument	26031

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Apr 1, 2049

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	41 LLOYD ST, WINCHESTER, MA 01890-2929
Transaction Type	Mortgage
Record Updated	Feb 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079666-344
Date	Feb 10, 2022
Book Page	79666/344
Instrument	22059

Lender

Name	BROOKLINE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	481 Months
Due	Mar 1, 2062

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	41 LLOYD ST, WINCHESTER, MA 01890-2929
Transaction Type	Mortgage
Record Updated	Feb 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0079625-44
Date	Feb 1, 2022
Book Page	79625/44
Instrument	17408

Lender

Name	BROOKLINE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	481 Months
Due	Mar 1, 2062

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	41 LLOYD ST, WINCHESTER, MA 01890-2929
Transaction Type	Mortgage
Record Updated	Mar 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	77068-512
Date	Feb 26, 2021
Book Page	77068/512
Instrument	43078

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

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

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	41 LLOYD ST, WINCHESTER, MA 01890-2929
Document Number	69129-52
Book / Page	069129 / 000052
Instrument Date	Apr 7, 2017
Transaction Type	Mortgage
Record Updated	May 2, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69129-52
Date	Apr 12, 2017
Book Page	069129/000052
Instrument	53200

Lender

Name	ROCKLAND TR

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 41 Lloyd St was $14,820, up 10,050.7% 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	$14,820.00 (+10,050.68%)	$1,337,500 (+1.21%) Land $832,300 Building $505,200	$1,403,989 (+9.05%)
2025	$146.00 (-98.95%)	$1,321,500 (+7.86%) Land $832,300 Building $489,200	$1,287,440
2024	$13,882.00 (+2.12%)	$1,225,200 (+6.35%) Land $772,900 Building $452,300
2023	$13,594.00	$1,152,000 Land $713,400 Building $438,600

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

Flood

FEMA maps place 41 Lloyd 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 41 Lloyd 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	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 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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