432 S Border Rd, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 432 S Border Rd, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 5,064 sqft · built 2019
Lot Size	0.549 acres (23,928 sqft)
Owner	Individual Name on File
Last Sale	$1,925,000 (Mar 2021)
Tax Bill	$24,278 (2026)
Deeds & Mortgages	Jun 2024 Refinance Mar 2021 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:005 B:0177 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:005 B:0177 L:0`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	5,064 sqft Living Area
Gross Area	6,882 sqft
Basement Area	1,956 sqft
Unfinished Basement	978 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,928 sqft (0.549 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	432 S BORDER RD
City	WINCHESTER
State	MA
Zip	01890-3138
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDB
Legal Block	177
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	1
Census Block	1014
Census Tract	338500

Owner

432 S Border Rd is owned and occupied by an individual who bought it in March 2021.

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

Owner of Record	Individual Name on File
Mailing Address	432 S BORDER RD, WINCHESTER, MA 01890-3138
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
Jun 25, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Mar 31, 2021	Quit Claim Deed, Transfer
Aug 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage JACKSON LUMBER & MILLWORK CO
Jun 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS BK
Feb 22, 2019	Deed of Trust, Mortgage ENTERPRISE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2021 · Amount on File
Deed Sale	Mar 31, 2021 · Amount on File
Prior Sale	Mar 16, 2018 · Amount on File
Transfer Doc	0001783694
Record Updated	Oct 29, 2026

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	432 S BORDER RD, WINCHESTER, MA 01890-3138
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001959098
Date	Jun 25, 2024
Instrument	1959098

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2054

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Mar 31, 2021
Property Address	432 S BORDER RD, WINCHESTER, MA 01890-3138
Document Number	0001875021
Instrument Date	Mar 25, 2021
Instrument	1875021
Transaction Type	Transfer
Record Updated	Feb 9, 2026

Transaction

Amount	Amount 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
Address	100 STATION LNDG UNIT 911, 911, MEDFORD, MA 02155-5198

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	432 S BORDER RD, WINCHESTER, MA 01890-3138
Document Number	0001849718
Instrument Date	Aug 1, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	427-429 AMHERST ST #2NDFLOOR NASHUA NH 030631258, 2NDFLO, NASHUA, NH 03063-1258

Mortgage

Document Number	0001849718
Date	Aug 11, 2020
Instrument	1849718

Lender

Name	JACKSON LUMBER & MILLWORK CO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	432 S BORDER RD, WINCHESTER, MA 01890-3138
Document Number	0000015548
Instrument Date	Jun 11, 2019
Transaction Type	Mortgage
Record Updated	Jul 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	427 AMHERST ST #100 WINCHESTER MA 01890, 100, WINCHESTER, MA 01890

Mortgage

Document Number	0000015548
Date	Jun 13, 2019
Instrument	15548

Lender

Name	MISCELLANEOUS BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	432 S BORDER RD, WINCHESTER, MA 01890-3138
Document Number	0000007888
Instrument Date	Feb 22, 2019
Transaction Type	Mortgage
Record Updated	Mar 12, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	427 AMHERST ST #2NDFL WINCHESTER MA 01890, 2NDFL, WINCHESTER, MA 01890

Mortgage

Document Number	0000007888
Date	Feb 25, 2019
Instrument	7888

Lender

Name	ENTERPRISE BK
Type	Bank

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 432 S Border Rd was $24,278, up 10,275.2% 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	$24,278.00 (+10,275.21%)	$2,191,200 (+3.57%) Land $938,500 Building $1,252,700	$2,714,127 (+19.4%)
2025	$234.00 (-98.98%)	$2,115,600 (+4.19%) Land $902,500 Building $1,213,100	$2,273,160
2024	$23,006.00 (+3.73%)	$2,030,500 (+8.03%) Land $902,500 Building $1,128,000
2023	$22,178.00	$1,879,500 Land $794,500 Building $1,085,000

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

Flood

FEMA maps place 432 S Border Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2001.

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

Wildfire risk around 432 S Border Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · above 98.9% of Massachusetts
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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