428 Highland Ave, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 428 Highland Ave, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,806 sqft · built 1929
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,075,000 (Aug 2023)
Tax Bill	$12,167 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Dec 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`WINC M:006 B:0331 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:006 B:0331 L:0`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,806 sqft Living Area
Gross Area	3,044 sqft
Basement Area	928 sqft
Unfinished Basement	928 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	Bungalow
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,001 sqft (0.115 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	428 HIGHLAND AVE
City	WINCHESTER
State	MA
Zip	01890-4003
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDB
Legal Block	331
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	1
Census Block	1025
Census Tract	338500

Owner

Source: Middlesex County and Winchester Town records, as of October 20, 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	428 HIGHLAND AVE, WINCHESTER, MA 01890-4003
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UBS BANK USA
Dec 4, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2023 · Amount on Record
Deed Sale	Aug 18, 2023 · Amount on Record
Prior Sale	Aug 7, 2014 · Amount on Record
Deed Book / Page	81905 / 578
Record Updated	Oct 29, 2026

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Aug 18, 2023
Property Address	428 HIGHLAND AVE, WINCHESTER, MA 01890-4003
Document Number	081905-578
Book / Page	81905 / 578
Instrument Date	Aug 18, 2023
Instrument	93358
Transaction Type	Transfer
Record Updated	Nov 1, 2023

Transaction

Amount	Amount Recorded
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	428 HIGHLAND AVE, WINCHESTER, MA 01890-4003

Mortgage

Document Number	0000093359
Date	Aug 18, 2023
Instrument	93359

Lender

Name	UBS BANK USA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Sep 1, 2038
Max Rate At Change	3%
Index	Other
Margin	3

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	428 HIGHLAND AVE, WINCHESTER, MA 01890-4003
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76337-108
Date	Dec 4, 2020
Book Page	76337/108
Instrument	229577

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	253 Months
Due	Jan 1, 2042

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
2026	$12,167.00 (+10,039.17%)	$1,098,100 (+1.29%) Land $796,500 Building $301,600	$1,099,063 (-0.59%)
2025	$120.00 (-99.02%)	$1,084,100 (+0.14%) Land $796,500 Building $287,600	$1,105,610
2024	$12,266.00 (+8.79%)	$1,082,600 (+13.3%) Land $796,500 Building $286,100
2023	$11,275.00	$955,500 Land $678,500 Building $277,000

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (2001–2012)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2012 · rainfall accumulation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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