43 Floyd St, Winthrop, MA 02152 Property Records

Suffolk County and Winthrop Town City property record for 43 Floyd St, Winthrop, MA 02152

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,876 sqft · built 1923
Lot Size	0.1 acres (4,355 sqft)
Owner	2 Individual Names on File
Last Sale	$865,000 (Aug 2022)
Tax Bill	$9,038 (2026)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Oct 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`WINT M:073 L:125`

Property Details

APN / Parcel Number

Primary APN	`WINT M:073 L:125`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	1,876 sqft Living Area
Gross Area	3,158 sqft
Basement Area	754 sqft
Unfinished Basement	754 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	4,355 sqft (0.1 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	43 FLOYD ST
City	WINTHROP
State	MA
Zip	02152-1507
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	125
Jurisdiction	WINTHROP MA
Township / Civil Division	WINTHROP TOWN
Census Block Group	2
Census Block	2008
Census Tract	180101

Owner

43 Floyd St is owned and occupied by two individuals who bought it in August 2022.

Source: Suffolk County and Winthrop Town City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	43 FLOYD ST, WINTHROP, MA 02152-1507
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
Aug 18, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC
Oct 29, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NEWREZ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2022 · Amount on File
Deed Sale	Aug 18, 2022 · Amount on File
Prior Sale	Jul 23, 1999 · Amount on File
Deed Book / Page	68097 / 159
Record Updated	Oct 29, 2026

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINTHROP MA
Recording Date	Aug 18, 2022
Property Address	43 FLOYD ST, WINTHROP, MA 02152-1507
Document Number	068097-159
Book / Page	68097 / 159
Instrument Date	Aug 18, 2022
Instrument	71594
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	43 FLOYD ST, WINTHROP, MA 02152-1507

Mortgage

Document Number	0000071595
Date	Aug 18, 2022
Instrument	71595

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	43 FLOYD ST, WINTHROP, MA 02152-1507
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61969-223
Date	Oct 29, 2019
Book Page	61969/223
Instrument	91988

Lender

Name	NEWREZ LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2039

Tax Assessment & Valuation

The 2026 property tax bill for 43 Floyd St was $9,038, up 16.3% from the year before.

Source: Suffolk County and Winthrop Town City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Suffolk County
Municipality	Winthrop Town City
Unified School District	Winthrop School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,038.00 (+16.32%)	$811,300 (+7.76%) Land $399,900 Building $411,400	$849,842
2025	$7,770.00 (-3.93%)	$752,900 (-3%) Land $380,900 Building $372,000
2024	$8,088.00 (+14.58%)	$776,200 (+17.66%) Land $382,000 Building $394,200	$951,710
2023	$7,059.00	$659,700 Land $343,800 Building $315,900

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

Flood

FEMA maps place 43 Floyd St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 21, 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	25 (1978–2018)
Claims Outside the SFHA	16 of 25
Most Recent Claim	Aug 2018 · other causes
Claims by Event	Winter Coastal Storm, Dec 1992 · 3 claims Coastal Storm, Oct 1991 · 5 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 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

The area around 43 Floyd St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land 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	WINTHROP WATER DIVISION, (MWRA) serves 19,316 people · EPA ID MA3346000
Water Source	Purchased surface water from MWRA
Last State Inspection	Dec 2023
Lead	8 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 681 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, Netafy, Verizon.

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