Middlesex County and Melrose City property record for 45 Bancroft Rd, Melrose, MA 02176
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,580 sqft · built 1948 |
| Lot Size | 0.181 acres (7,863 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $952,250 (May 2025) |
| Tax Bill | $10,302 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage May 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | MELR M:0G9 P:0000093 |
| Primary APN | MELR M:0G9 P:0000093 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,580 sqft Living Area |
| Gross Area | 3,682 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,863 sqft (0.181 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 45 BANCROFT RD |
|---|---|
| City | MELROSE |
| State | MA |
| Zip | 02176-3403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRB |
| Jurisdiction | MELROSE MA |
| Township / Civil Division | MELROSE |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 336202 |
45 Bancroft Rd is owned and occupied by two individuals who bought it in May 2025.
Source: Middlesex County and Melrose City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 BANCROFT RD, MELROSE, MA 02176-3403 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Jul 29, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 6, 2025 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 6, 2025 · Amount on File |
| Deed Sale | May 6, 2025 · Amount on File |
| Prior Sale | Jul 23, 2012 |
| Deed Document Number | 202548690 |
| Deed Book / Page | 84057 / 96 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MELROSE MA |
| Recording Date | Jul 29, 2026 |
| Property Address | 45 BANCROFT RD, MELROSE, MA 02176-3403 |
| Document Number | 0000094287 |
| Book / Page | 85941 / 256 |
| Instrument Date | Jul 23, 2026 |
| Instrument | 202694287 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 45 BANCROFT RD, MELROSE, MA 02176-3403 |
| Document Number | 0000094287, |
|---|---|
| Date | Jul 29, 2026 |
| Book Page | 85941/256 |
| Instrument | 202694287 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Adjustable Rate |
| Type Change Date | Aug 1, 2033 |
| Index | Other |
| Margin | 3 |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MELROSE MA |
| Recording Date | May 6, 2025 |
| Property Address | 45 BANCROFT RD, MELROSE, MA 02176-3403 |
| Document Number | 0084057-96 |
| Book / Page | 84057 / 96 |
| Instrument Date | May 6, 2025 |
| Instrument | 48690 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| 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 | 45 BANCROFT RD, MELROSE, MA 02176-3403 |
| Document Number | 0000048691 |
|---|---|
| Date | May 6, 2025 |
| Instrument | 48691 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 45 Bancroft Rd was $10,302, up 17.2% 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 | $10,302.00 (+17.17%) | $898,200 (+1.14%) Land $515,400 Building $382,800 | $949,089 (+13.1%) |
| 2025 | $8,792.00 (-0.31%) | $888,100 (-) Land $515,400 Building $372,700 | $839,135 |
| 2024 | $8,819.00 (+5.83%) | $888,100 (+11.05%) Land $515,400 Building $372,700 | |
| 2023 | $8,333.00 | $799,700 Land $459,700 Building $340,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Bancroft Rd in Zone X, an area of minimal flood risk.
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 | 1 in force |
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 45 Bancroft Rd 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 446 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 / 250 |
| Netafy Fixed Wireless | 476 / 106 |
| T-Mobile Fixed Wireless | 100 / 20 |
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