Middlesex County and Melrose City property record for 445 E Foster St, Melrose, MA 02176
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,899 sqft · built 1930 |
| Lot Size | 0.176 acres (7,671 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $700,000 (Feb 2026) |
| Tax Bill | $9,143 (2026) |
| Deeds & Mortgages | Sep 2022 Mortgage Feb 2026 Sale & Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | MELR M:0G8 P:0000070 |
| Primary APN | MELR M:0G8 P:0000070 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,899 sqft Living Area |
| Gross Area | 4,009 sqft |
| Basement Area | 1,392 sqft |
| Unfinished Basement | 1,392 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,671 sqft (0.176 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Street Address | 445 E FOSTER ST |
|---|---|
| City | MELROSE |
| State | MA |
| Zip | 02176-4206 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRB |
| Jurisdiction | MELROSE MA |
| Township / Civil Division | MELROSE |
| Census Block Group | 6 |
| Census Block | 6002 |
| Census Tract | 336300 |
445 E Foster St is owned by two individuals who bought it in February 2026.
Source: Middlesex County and Melrose City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4 RALPH ST, MEDFORD, MA 02155-1326 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Sep 6, 2022 | Deed of Trust, Mortgage · ARM SECRETARY HOUSING URBAN DEVELOPMENT |
| Feb 17, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage MIDDLESEX SAVINGS BANK |
| May 17, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Sep 6, 2022 | Quit Claim Deed, Transfer · ARM FINANCE AMERICA LLC |
| Oct 15, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Oct 15, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| May 25, 2018 | Deed of Trust, Mortgage · FHA Mortgage FINANCE AMERICA |
| Apr 12, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 17, 2026 · Amount on File |
| Deed Sale | Feb 17, 2026 · Amount on File |
| Prior Transfer Date | Feb 12, 2026 |
| Prior Transfer Doc | 0001994509 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MELROSE MA |
| Property Address | 445 E FOSTER ST, MELROSE, MA 02176-4206 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001922471 |
|---|---|
| Date | Sep 6, 2022 |
| Instrument | 1922471 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 853 Months |
| Due | Oct 1, 2093 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.57% |
| Type Change Date | Sep 1, 2022 |
| Index | Other |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MELROSE MA |
| Recording Date | Feb 17, 2026 |
| Property Address | 445 E FOSTER ST, MELROSE, MA 02176-4206 |
| Document Number | 0001994509 |
| Instrument Date | Feb 12, 2026 |
| Instrument | 1994509 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 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 |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4 RALPH ST, MEDFORD, MA 02155-1326 |
| Document Number | 0001994510 |
|---|---|
| Date | Feb 17, 2026 |
| Instrument | 1994510 |
| Name | MIDDLESEX SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MELROSE MA |
| Recording Date | May 17, 2023 |
| Property Address | 445 E FOSTER ST, MELROSE, MA 02176-4206 |
| Document Number | 0001937092 |
| Instrument Date | Feb 21, 2023 |
| Instrument | 1937092 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 445 E FOSTER ST, MELROSE, MA 02176-4206 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MELROSE MA |
| Recording Date | Sep 6, 2022 |
| Property Address | 445 E FOSTER ST, MELROSE, MA 02176-4206 |
| Document Number | 0001922467 |
| Instrument Date | Jun 8, 2022 |
| Instrument | 1922467 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 445 E FOSTER ST, MELROSE, MA 02176-4206 |
| Document Number | 0001922470 |
|---|---|
| Date | Sep 6, 2022 |
| Instrument | 1922470 |
| Name | FINANCE AMERICA LLC |
|---|---|
| Type | Subprime Lender |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 853 Months |
| Due | Oct 1, 2093 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.57% |
| Type Change Date | Sep 1, 2022 |
| Index | Other |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MELROSE MA |
| Recording Date | Oct 15, 2020 |
| Property Address | 445 E FOSTER ST, MELROSE, MA 02176-4206 |
| Document Number | 0001856581 |
| Instrument Date | Oct 2, 2020 |
| Instrument | 1856581 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 445 E FOSTER ST MELROSE MA 021764206, MELROSE, MA 02176-4206 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MELROSE MA |
| Recording Date | Oct 15, 2020 |
| Property Address | 445 E FOSTER ST, MELROSE, MA 02176-4206 |
| Document Number | 0001856582 |
| Instrument Date | Oct 2, 2020 |
| Instrument | 1856582 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 445 E FOSTER ST MELROSE MA 021764206, MELROSE, MA 02176-4206 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MELROSE MA |
| Property Address | 445 E FOSTER ST, MELROSE, MA 02176-4206 |
| Document Number | 0000089293 |
| Instrument Date | May 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 445 E FOSTER ST MELROSE MA 021764206, MELROSE, MA 02176-4206 |
| Document Number | 0000089293 |
|---|---|
| Date | Jun 7, 2018 |
| Instrument | 89293 |
| Name | FINANCE AMERICA |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 900 Months |
| Due | Jun 6, 2093 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.18% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MELROSE MA |
| Recording Date | Apr 12, 2018 |
| Property Address | 445 E FOSTER ST, MELROSE, MA 02176-4206 |
| Document Number | 0000085363 |
| Instrument Date | Mar 26, 2018 |
| Instrument | 85363 |
| Transaction Type | Transfer |
| Record Updated | May 1, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 445 E FOSTER ST MELROSE MA 021764206, MELROSE, MA 02176-4206 |
The 2026 property tax bill for 445 E Foster St was $9,143, up 18.8% from the year before.
Source: Middlesex County and Melrose City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Melrose City |
| Unified School District | Melrose School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,143.00 (+18.77%) | $797,100 (+2.51%) Land $514,300 Building $282,800 | $705,617 (-15.46%) |
| 2025 | $7,698.00 (+0.71%) | $777,600 (+1.01%) Land $514,300 Building $263,300 | $834,670 |
| 2024 | $7,644.00 (+6.61%) | $769,800 (+11.87%) Land $514,300 Building $255,500 | |
| 2023 | $7,170.00 | $688,100 Land $458,700 Building $229,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 445 E Foster 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 15 policies |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 2 (1978–2006) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | May 2006 · Severe Storms And Flooding |
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.
The area around 445 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 456 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 |
| Netafy Fixed Wireless | 476 / 106 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures