437 Exchange St, Millis, MA 02054 Property Records

Norfolk County and Millis Town property record for 437 Exchange St, Millis, MA 02054

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,644 sqft · built 1840
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Dec 2017)
Tax Bill	$9,917 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Nov 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`MILL M:011 B:0000024`

Property Details

APN / Parcel Number

Primary APN	`MILL M:011 B:0000024`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,644 sqft Living Area
Gross Area	4,906 sqft

Exterior

Year Built	Built 1840
Effective Year Built	Effective 1840
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	437 EXCHANGE ST
City	MILLIS
State	MA
Zip	02054-1009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	24
Jurisdiction	MILLIS MA
Township / Civil Division	MILLIS
Census Block Group	1
Census Block	1038
Census Tract	407101

Owner

Source: Norfolk County and Millis 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	437 EXCHANGE ST, MILLIS, MA 02054-1009
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Nov 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC
Jul 7, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) NATIONSTAR MORTGAGE LLC
Aug 11, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC
Dec 27, 2017	Quit Claim Deed, Transfer DRAPER AND KRAMER MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 2017 · Amount on Record
Deed Sale	Dec 27, 2017 · Amount on Record
Prior Sale	Feb 1, 2017 · Amount on Record
Deed Document Number	2017123576
Deed Book / Page	35703 / 324
Transfer Doc	035703-324
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLIS MA
Recording Date	Apr 13, 2026
Property Address	437 EXCHANGE ST, MILLIS, MA 02054-1009
Document Number	0043040-52
Book / Page	43040 / 52
Instrument Date	Apr 6, 2026
Instrument	202622799
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 EXCHANGE ST, MILLIS, MA 02054-1009

Mortgage

Document Number	0000022799,
Date	Apr 13, 2026
Book Page	43040/52
Instrument	202622799

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate	6%
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLIS MA
Property Address	437 EXCHANGE ST, MILLIS, MA 02054-1009
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040113-130
Date	Nov 30, 2021
Book Page	40113/130
Instrument	150234

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLIS MA
Property Address	437 EXCHANGE ST, MILLIS, MA 02054-1009
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041292-211
Date	Jul 7, 2023
Book Page	41292/211
Instrument	42773

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLIS MA
Property Address	437 EXCHANGE ST, MILLIS, MA 02054-1009
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38199-99
Date	Aug 11, 2020
Book Page	38199/99
Instrument	80696

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MILLIS MA
Recording Date	Dec 27, 2017
Property Address	437 EXCHANGE ST, MILLIS, MA 02054-1009
Document Number	35703-324
Book / Page	35703 / 324
Instrument	123576
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$66.48
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 EXCHANGE ST, MILLIS, MA 02054-1009

Mortgage

Document Number	357030326
Date	Dec 27, 2017
Instrument	35703/0326

Lender

Name	DRAPER AND KRAMER MTG

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 27, 2047

Tax Assessment & Valuation

Source: Norfolk County and Millis Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Norfolk County
County Subdivision	Millis Town
Unified School District	Millis School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,917.00 (+5.13%)	$604,700 (+5.26%) Land $222,700 Building $382,000	$737,960 (+2.57%)
2024	$9,433.00 (+11.71%)	$574,500 (+18.99%) Land $205,600 Building $368,900	$719,435
2023	$8,444.00	$482,800 Land $163,900 Building $318,900

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 May 26, 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
Flood Insurance Cost	Premium on Record median of 20 policies
Nearby Flood Policies	20 in force

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	Direct burnable vegetation

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	MILLIS WATER DEPT serves 9,055 people · EPA ID MA2187000
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	2 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	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 77 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

Nearby Properties on Exchange St

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