Middlesex County and Waltham City property record for 440 Forest St, Waltham, MA 02452
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,855 sqft · built 1940 |
| Lot Size | 0.128 acres (5,571 sqft) |
| Owner | Individual Name on File |
| Last Sale | $720,000 (Aug 2025) |
| Tax Bill | $7,274 (2026) |
| Deeds & Mortgages | Mar 2021 Refinance Dec 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 42242 |
| Primary APN | 42242 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,855 sqft Living Area |
| Gross Area | 2,494 sqft |
| Basement Area | 682 sqft |
| Finished Basement | 682 sqft |
| Unfinished Basement | 682 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,571 sqft (0.128 acres) |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | 42242 |
|---|---|
| Street Address | 440 FOREST ST |
| City | WALTHAM |
| State | MA |
| Zip | 02452-5723 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1 |
| Legal Block | 4 |
| Legal Lot Number | 2 |
| Jurisdiction | WALTHAM MA |
| Township / Civil Division | WALTHAM |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 368901 |
440 Forest St is owned and occupied by an individual who bought it in August 2025.
Source: Middlesex County and Waltham City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 440 FOREST ST, WALTHAM, MA 02452-5723 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 22, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NFM LENDING |
| Dec 23, 2022 | Deed of Trust, Mortgage · Line of Credit LEADER BANK NA |
| Aug 15, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage MILESTONE MORTGAGE SOLUTIONS |
| May 3, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Aug 4, 2017 | Quit Claim Deed, Transfer LEADER BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 15, 2025 · Amount on File |
| Deed Sale | Aug 15, 2025 · Amount on File |
| Prior Sale | Aug 4, 2017 · Amount on File |
| Deed Book / Page | 84499 / 560 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTHAM MA |
| Property Address | 440 FOREST ST, WALTHAM, MA 02452-5723 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0077286-96 |
|---|---|
| Date | Mar 22, 2021 |
| Book Page | 77286/96 |
| Instrument | 62763 |
| Name | NFM LENDING |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTHAM MA |
| Property Address | 440 FOREST ST, WALTHAM, MA 02452-5723 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 081102-363 |
|---|---|
| Date | Dec 23, 2022 |
| Book Page | 81102/363 |
| Instrument | 186876 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WALTHAM MA |
| Recording Date | Aug 15, 2025 |
| Property Address | 440 FOREST ST, WALTHAM, MA 02452-5723 |
| Document Number | 084499-560 |
| Book / Page | 84499 / 560 |
| Instrument Date | Aug 15, 2025 |
| Instrument | 98275 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 440 FOREST ST, WALTHAM, MA 02452-5723 |
| Document Number | 0000098276 |
|---|---|
| Date | Aug 15, 2025 |
| Instrument | 98276 |
| Name | MILESTONE MORTGAGE SOLUTIONS |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WALTHAM MA |
| Recording Date | May 3, 2019 |
| Property Address | 440 FOREST ST, WALTHAM, MA 02452-5723 |
| Document Number | 72556-277 |
| Book / Page | 072556 / 000277 |
| Instrument Date | Apr 19, 2019 |
| Instrument | 57539 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 440 FOREST ST WALTHAM MA 024525723, WALTHAM, MA 02452-5723 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WALTHAM MA |
| Recording Date | Aug 4, 2017 |
| Property Address | 440 FOREST ST, WALTHAM, MA 02452-5723 |
| Document Number | 69727-395 |
| Book / Page | 69727 / 395 |
| Instrument | 124838 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $49.86 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 440 FOREST ST, WALTHAM, MA 02452-5723 |
| Document Number | 697270397 |
|---|---|
| Date | Aug 4, 2017 |
| Instrument | 69727/0397 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Aug 4, 2047 |
The 2026 property tax bill for 440 Forest St was $7,274, up 9.8% from the year before.
Source: Middlesex County and Waltham City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Waltham City |
| Unified School District | Waltham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,274.00 (+9.85%) | $704,800 (+4.52%) Land $421,100 Building $283,700 | $737,360 (+8.97%) |
| 2025 | $6,622.00 (+4.25%) | $674,300 (+2.34%) Land $401,900 Building $272,400 | $676,685 (-10.97%) |
| 2024 | $6,352.00 | $658,900 Land $384,200 Building $274,700 | $760,095 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 440 Forest St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.
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 |
| Nearby Flood Claims | 1 (1978) |
| Most Recent Claim | Feb 1978 · tidal / storm surge |
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 risk around 440 Forest St is low, with less than 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 99.8% of the US · lower than 99.9% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WALTHAM WATER DEPARTMENT serves 65,218 people · EPA ID MA3308000 |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Jun 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 286 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 2,000 |
| Astound Broadband Cable | 1,500 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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