431 William St, Stoneham, MA 02180 Property Records

Middlesex County and Stoneham Town property record for 431 William St, Stoneham, MA 02180

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,892 sqft · built 1950
Lot Size	0.22 acres (9,601 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,407 (2025)
Deeds & Mortgages	Feb 2021 Refinance Apr 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`STON M:22 B:000 L:11`

Property Details

APN / Parcel Number

Primary APN	`STON M:22 B:000 L:11`
Alternative APN	`5104`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,892 sqft Living Area
Gross Area	4,054 sqft
Basement Area	1,272 sqft
Unfinished Basement	636 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,601 sqft (0.22 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	5104
Street Address	431 WILLIAM ST
City	STONEHAM
State	MA
Zip	02180-2306
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	11
Jurisdiction	STONEHAM MA
Township / Civil Division	STONEHAM
Census Block Group	3
Census Block	3011
Census Tract	337202

Owner

Source: Middlesex County and Stoneham Town records, as of July 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	431 WILLIAM ST, STONEHAM, MA 02180-2306
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP
Apr 5, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STONEHAM MA
Property Address	431 WILLIAM ST, STONEHAM, MA 02180-2306
Transaction Type	Mortgage
Record Updated	Mar 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76969-18
Date	Feb 16, 2021
Book Page	76969/18
Instrument	34323

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2041

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STONEHAM MA
Property Address	431 WILLIAM ST, STONEHAM, MA 02180-2306
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72422-565
Date	Apr 5, 2019
Book Page	72422/565
Instrument	42268

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

Source: Middlesex County and Stoneham Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Stoneham Town
Unified School District	Stoneham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,407.00 (+4.25%)	$821,800 (+7.92%) Land $376,200 Building $445,600	$953,420 (+2.29%)
2024	$8,064.00 (+2.61%)	$761,500 (+7.56%) Land $346,500 Building $415,000	$932,045
2023	$7,859.00	$708,000 Land $316,800 Building $391,200

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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	STONEHAM WATER DEPT (MWRA SUPPLY) serves 23,244 people · EPA ID MA3284000
Water Source	Purchased surface water from MWRA
Last State Inspection	Nov 2024
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli not recorded as resolved · Sep 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 214 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on William St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures