422 Main St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 422 Main St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,486 sqft · built 1880
Lot Size	0.101 acres (4,395 sqft)
Owner	2 Individual Names on File
Last Sale	$1,210,000 (Oct 2020)
Tax Bill	$16,142 (2026)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:008 B:0170 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:008 B:0170 L:0`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,486 sqft Living Area
Gross Area	3,672 sqft
1st Floor Area	912 sqft
Basement Area	911 sqft
Unfinished Basement	455 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 2014
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,395 sqft (0.101 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	422 MAIN ST
City	WINCHESTER
State	MA
Zip	01890-2924
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDB
Legal Block	170
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	3
Census Block	3003
Census Tract	338500

Owner

422 Main St is owned and occupied by two individuals who bought it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	422 MAIN ST, WINCHESTER, MA 01890-2924
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
Oct 30, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage WINCHESTER COOPERATIVE BANK
Oct 1, 2019	Deed of Trust, Mortgage GUARANTEED RATE
Sep 19, 2018	Quit Claim Deed, Transfer GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2020 · Amount on File
Deed Sale	Oct 30, 2020 · Amount on File
Prior Sale	Sep 19, 2018 · Amount on File
Deed Book / Page	76043 / 305
Prior Transfer Date	Oct 26, 2020
Prior Transfer Doc	76043-305
Record Updated	Oct 29, 2026

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Oct 30, 2020
Property Address	422 MAIN ST, WINCHESTER, MA 01890-2924
Document Number	76043-305
Book / Page	76043 / 305
Instrument Date	Oct 26, 2020
Instrument	201582
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
Relationship	Tenants by the Entirety
Address	422 MAIN ST, WINCHESTER, MA 01890-2924

Mortgage

Document Number	201583
Date	Oct 30, 2020
Instrument	201583

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	422 MAIN ST, WINCHESTER, MA 01890-2924
Document Number	73416-524
Instrument Date	Oct 1, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	422 MAIN ST WINCHESTER MA 018902924, WINCHESTER, MA 01890-2924

Mortgage

Document Number	73416-524
Date	Oct 7, 2019
Book Page	073416/000524
Instrument	153865

Lender

Name	GUARANTEED RATE

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 6, 2049

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Sep 19, 2018
Property Address	422 MAIN ST, WINCHESTER, MA 01890-2924
Document Number	71637-555
Book / Page	71637 / 555
Instrument	144986
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	$125.56
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	716370560
Date	Sep 19, 2018
Instrument	71637/0560

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 19, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 422 Main St was $16,142, up 10,381.8% 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	$16,142.00 (+10,381.82%)	$1,456,900 (+4.25%) Land $756,000 Building $700,900	$1,527,469 (+0.33%)
2025	$154.00 (-99%)	$1,397,500 (+3.27%) Land $726,900 Building $670,600	$1,522,470
2024	$15,333.00 (+5.06%)	$1,353,300 (+9.41%) Land $726,900 Building $626,400
2023	$14,595.00	$1,236,900 Land $639,700 Building $597,200

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

Flood

FEMA maps place 422 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 422 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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