44 Lloyd St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 44 Lloyd St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 2,051 sqft · built 1915
Lot Size	0.115 acres (5,001 sqft)
Owner	Individual Name on File
Last Sale	$1,375,000 (Jun 2021)
Tax Bill	$15,078 (2026)
Deeds & Mortgages	Mar 2020 Mortgage Mar 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:008 B:0074 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:008 B:0074 L:0`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	2,051 sqft Living Area
Gross Area	3,648 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,001 sqft (0.115 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	44 LLOYD ST
City	WINCHESTER
State	MA
Zip	01890-2910
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDB
Legal Block	74
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	3
Census Block	3008
Census Tract	338500

Owner

44 Lloyd St is owned and occupied by an individual who bought it in June 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	44 LLOYD ST, WINCHESTER, MA 01890-2910
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2020	Deed of Trust, Mortgage · Balloon Mortgage WINCHESTER COOPERATIVE BANK
Mar 27, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WINCHESTER COOPERATIVE BANK
Jun 25, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2021 · Amount on File
Deed Sale	Jun 25, 2021 · Amount on File
Prior Sale	Nov 15, 2011 · Amount on File
Deed Document Number	2021144106
Deed Book / Page	78102 / 168
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	44 LLOYD ST, WINCHESTER, MA 01890-2910
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	074368-352
Date	Mar 30, 2020
Book Page	74368/352
Instrument	46414

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2040

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	44 LLOYD ST, WINCHESTER, MA 01890-2910
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	074367-279
Date	Mar 27, 2020
Book Page	74367/279
Instrument	46256

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Jun 25, 2021
Property Address	44 LLOYD ST, WINCHESTER, MA 01890-2910
Document Number	078102-168
Book / Page	78102 / 168
Instrument Date	Jun 25, 2021
Instrument	144106
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	44 LLOYD ST, WINCHESTER, MA 01890-2910

Mortgage

Document Number	0000144107
Date	Jun 25, 2021
Instrument	144107

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 44 Lloyd St was $15,078, up 10,157.1% 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	$15,078.00 (+10,157.14%)	$1,360,800 (+2.15%) Land $826,000 Building $534,800	$1,429,071 (-12.35%)
2025	$147.00 (-98.96%)	$1,332,200 (+7.01%) Land $826,000 Building $506,200	$1,630,390
2024	$14,105.00 (+1.78%)	$1,244,900 (+5.99%) Land $767,000 Building $477,900
2023	$13,859.00	$1,174,500 Land $708,000 Building $466,500

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

Flood

FEMA maps place 44 Lloyd St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	4 (2001–2010)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 claims

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 44 Lloyd St is low, with a 0.01% annual chance of 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	None beyond 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	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 404 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: AT&T, T-Mobile.

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