44 E Foster St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 44 E Foster St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,848 sqft · built 1895
Lot Size	0.183 acres (7,993 sqft)
Owner	2 Trust Names on File
Last Sale	$156,900 (Aug 1994)
Tax Bill	$9,076 (2026)
Deeds & Mortgages	Mar 2024 Refinance Feb 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0D7 P:0000032`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0D7 P:0000032`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,848 sqft Living Area
Gross Area	3,531 sqft
Basement Area	912 sqft
Unfinished Basement	912 sqft

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,993 sqft (0.183 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	44 E FOSTER ST
City	MELROSE
State	MA
Zip	02176-3947
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URB
Legal Subdivision	CITY MELROSE
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	5
Census Block	5001
Census Tract	336300

Owner

44 E Foster St is owner-occupied and held in a trust since August 2024.

Source: Middlesex County and Melrose City records, as of October 20, 2026

Owner of Record	2 Trust Names on File
Mailing Address	44 E FOSTER ST, MELROSE, MA 02176-3947
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Mar 25, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA
Feb 19, 2019	Deed of Trust, Mortgage · Line of Credit SANTANDER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 1994 · Amount on File
Deed Sale	Aug 2, 1994 · Amount on File
Last Transfer Date	Aug 21, 2024
Transfer Doc	0083397-98
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	44 E FOSTER ST, MELROSE, MA 02176-3947
Transaction Type	Mortgage
Record Updated	Apr 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	082596-133
Date	Mar 25, 2024
Book Page	82596/133
Instrument	28837

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2039

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	44 E FOSTER ST, MELROSE, MA 02176-3947
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072240-391
Date	Feb 19, 2019
Book Page	72240/391
Instrument	20300

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 44 E Foster St was $9,076, up 11,687% from the year before.

Source: Middlesex County and Melrose City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Melrose City
Unified School District	Melrose School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,076.00 (+11,687.01%)	$791,300 (+1.42%) Land $432,400 Building $358,900	$834,950 (+28.38%)
2025	$77.00 (-98.96%)	$780,200 (+4.75%) Land $432,400 Building $347,800	$650,370
2024	$7,396.00 (+2.04%)	$744,800 (+7.07%) Land $404,500 Building $340,300
2023	$7,248.00	$695,600 Land $376,600 Building $319,000

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

Flood

FEMA maps place 44 E Foster St in Zone X, an area of minimal flood risk.

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

The area around 44 E Foster 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	MELROSE WATER DIVISION (MWRA) serves 29,938 people · EPA ID MA3178000
Water Source	Purchased surface water from MWRA
Last State Inspection	Oct 2025
Lead	10 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement currently in violation since Nov 2021
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 802 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
Netafy Fixed Wireless	476 / 106
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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