438 William St, Stoneham, MA 02180 Property Records

Middlesex County and Stoneham Town property record for 438 William St, Stoneham, MA 02180

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,248 sqft · built 1954
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Nov 2018)
Tax Bill	$5,830 (2026)
Deeds & Mortgages	Mar 2023 Refinance Aug 2021 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`STON M:22 B:000 L:77`

Property Details

APN / Parcel Number

Primary APN	`STON M:22 B:000 L:77`
Alternative APN	`5289`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,248 sqft Living Area
Gross Area	1,992 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,000 sqft (0.161 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	5289
Street Address	438 WILLIAM ST
City	STONEHAM
State	MA
Zip	02180-2307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	77
Jurisdiction	STONEHAM MA
Township / Civil Division	STONEHAM
Census Block Group	4
Census Block	4002
Census Tract	337202

Owner

Source: Middlesex County and Stoneham 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	438 WILLIAM ST, STONEHAM, MA 02180-2307
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance HARVARD UNIVERSITY CREDIT UNION
Aug 31, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Aug 31, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Apr 7, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
May 31, 2019	Deed of Trust, Mortgage · Conventional with PMI QUAD CTY BK&TR
Nov 29, 2018	Quit Claim Deed, Transfer · Conventional with PMI QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2018 · Amount on Record
Deed Sale	Nov 29, 2018 · Amount on Record
Deed Book / Page	71943 / 111
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STONEHAM MA
Property Address	438 WILLIAM ST, STONEHAM, MA 02180-2307
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081337-556
Date	Mar 17, 2023
Book Page	81337/556
Instrument	26644

Lender

Name	HARVARD UNIVERSITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Apr 1, 2048

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STONEHAM MA
Property Address	438 WILLIAM ST, STONEHAM, MA 02180-2307
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078599-317
Date	Aug 31, 2021
Book Page	78599/317
Instrument	195131

Lender

Name	ROCKET MORTGAGE

Agreement

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

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STONEHAM MA
Property Address	438 WILLIAM ST, STONEHAM, MA 02180-2307
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78599-317
Date	Aug 31, 2021
Book Page	78599/317
Instrument	195131

Lender

Name	ROCKET MORTGAGE

Agreement

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

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STONEHAM MA
Property Address	438 WILLIAM ST, STONEHAM, MA 02180-2307
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74428-508
Date	Apr 7, 2020
Book Page	74428/508
Instrument	51683

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

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

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STONEHAM MA
Property Address	438 WILLIAM ST, STONEHAM, MA 02180-2307
Document Number	72714-480
Instrument Date	May 31, 2019
Transaction Type	Mortgage
Record Updated	Jun 25, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	438 WILLIAM ST STONEHAM MA 021802307, STONEHAM, MA 02180-2307

Mortgage

Document Number	72714-480
Date	Jun 5, 2019
Book Page	072714/000480
Instrument	75630

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2049

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STONEHAM MA
Recording Date	Nov 29, 2018
Property Address	438 WILLIAM ST, STONEHAM, MA 02180-2307
Document Number	71943-111
Book / Page	071943 / 000111
Instrument Date	Nov 17, 2018
Instrument	2050
Transaction Type	Transfer
Record Updated	Dec 18, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,052.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	438 WILLIAM ST STONEHAM MA 021802307, STONEHAM, MA 02180-2307

Mortgage

Document Number	71943-115
Date	Nov 29, 2018
Book Page	071943/000115
Instrument	2051

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 28, 2048

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
2026	$5,830.00 (+4.26%)	$579,500 (+6.02%) Land $370,000 Building $209,500	$620,255 (-)
2025	$5,592.00 (+3.71%)	$546,600 (+7.34%) Land $351,500 Building $195,100	$620,255 (+4.01%)
2024	$5,392.00 (+3.57%)	$509,200 (+8.57%) Land $323,800 Building $185,400	$596,315
2023	$5,206.00	$469,000 Land $296,000 Building $173,000

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
Nearby Flood Policies	2 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	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.

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