Middlesex County and Melrose City property record for 45 Albert St, Melrose, MA 02176
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,544 sqft · built 1939 |
| Lot Size | 0.131 acres (5,693 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $595,000 (Sep 2015) |
| Tax Bill | $10,470 (2026) |
| Deeds & Mortgages | Dec 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | MELR M:E11 P:0000069 |
| Primary APN | MELR M:E11 P:0000069 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,544 sqft Living Area |
| Gross Area | 3,390 sqft |
| Basement Area | 816 sqft |
| Unfinished Basement | 816 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1939 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 5,693 sqft (0.131 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 45 ALBERT ST |
|---|---|
| City | MELROSE |
| State | MA |
| Zip | 02176-2420 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | URA |
| Legal Subdivision | EMILY G COCHRANE & M G COCHRAN |
| Jurisdiction | MELROSE MA |
| Township / Civil Division | MELROSE |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 336202 |
45 Albert St is owned and occupied by two individuals who bought it in September 2015.
Source: Middlesex County and Melrose City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 ALBERT ST, MELROSE, MA 02176-2420 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 25, 2015 · Amount on File |
| Deed Sale | Sep 25, 2015 · Amount on File |
| Prior Sale | May 24, 2007 · Amount on File |
| Deed Book / Page | 66132 / 494 |
| Transfer Doc | 066132-494 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MELROSE MA |
| Property Address | 45 ALBERT ST, MELROSE, MA 02176-2420 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 079261-254 |
|---|---|
| Date | Dec 1, 2021 |
| Book Page | 79261/254 |
| Instrument | 260345 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
The 2026 property tax bill for 45 Albert St was $10,470, up 12,074.4% 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 | $10,470.00 (+12,074.42%) | $912,800 (+4.42%) Land $503,400 Building $409,400 | $959,199 (+7.15%) |
| 2025 | $86.00 (-98.99%) | $874,200 (+1.58%) Land $476,100 Building $398,100 | $895,185 |
| 2024 | $8,546.00 (+0.99%) | $860,600 (+5.97%) Land $462,500 Building $398,100 | |
| 2023 | $8,462.00 | $812,100 Land $448,900 Building $363,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Albert 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.
The area around 45 Albert 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 677 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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