41 Middlesex St, Winchester, MA 01890 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,821 sqft · built 1947
Lot Size	0.229 acres (9,971 sqft)
Owner	2 Individual Names on Record
Last Sale	$444,900 (Aug 2004)
Tax Bill	$107 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Nov 2018 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`WINC M:015 B:0048 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:015 B:0048 L:0`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,821 sqft Living Area
Gross Area	2,519 sqft
Basement Area	837 sqft
Unfinished Basement	628 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,971 sqft (0.229 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	41 MIDDLESEX ST
City	WINCHESTER
State	MA
Zip	01890-1828
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG
Legal Block	48
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	1
Census Block	1009
Census Tract	338300

Owner

Source: Middlesex County and Winchester Town records, 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 Record
Mailing Address	41 MIDDLESEX ST, WINCHESTER, MA 01890-1828
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2022	Deed of Trust, Mortgage · ARM THIRD FEDERAL SAVING & LOAN ASSOC
Nov 30, 2018	Deed of Trust, Mortgage · ARM TD BANK NA
Feb 22, 2019	Deed of Trust, Mortgage · Line of Credit CENTURY BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2004 · Amount on Record
Deed Sale	Aug 5, 2004 · Amount on Record
Prior Sale	Mar 20, 2003 · Amount on Record
Deed Document Number	2004209134
Deed Book / Page	43464 / 57
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	41 MIDDLESEX ST, WINCHESTER, MA 01890-1828
Transaction Type	Mortgage
Record Updated	Feb 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079660-265
Date	Feb 9, 2022
Book Page	79660/265
Instrument	21394

Lender

Name	THIRD FEDERAL SAVING & LOAN ASSOC

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.59%
Type Change Date	Mar 1, 2027
Index	Prime Rate

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	41 MIDDLESEX ST, WINCHESTER, MA 01890-1828
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	71954-235
Date	Nov 30, 2018
Book Page	71954/235
Instrument	183288

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	41 MIDDLESEX ST, WINCHESTER, MA 01890-1828
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72254-507
Date	Feb 22, 2019
Book Page	72254/507
Instrument	22098

Lender

Name	CENTURY BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2039

Tax Assessment & Valuation

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
2025	$107.00 (-98.96%)	$972,400 (+6.68%) Land $626,600 Building $345,800	$844,550
2024	$10,327.00	$911,500 Land $593,600 Building $317,900

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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	6 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

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 261 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: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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