45 Beacon St, Winthrop, MA 02152 Property Records

Suffolk County and Winthrop Town City property record for 45 Beacon St, Winthrop, MA 02152

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,237 sqft · built 1895
Lot Size	0.091 acres (3,954 sqft)
Owner	2 Trust Names on File
Tax Bill	$7,389 (2026)
Deeds & Mortgages	Apr 2024 Mortgage
Flood Zone	Zone AE (high risk)
APN	`WINT M:019 L:116`

Property Details

APN / Parcel Number

Primary APN	`WINT M:019 L:116`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Units	2 Units
Stories	3 Stories
Building Area	2,237 sqft Living Area
Gross Area	4,082 sqft
Basement Area	414 sqft
Unfinished Basement	414 sqft

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,954 sqft (0.091 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	45 BEACON ST
City	WINTHROP
State	MA
Zip	02152-1312
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Lot Number	116
Jurisdiction	WINTHROP MA
Township / Civil Division	WINTHROP TOWN
Census Block Group	3
Census Block	3005
Census Tract	180500

Owner

45 Beacon St, a duplex, is owner-occupied and held in a trust since May 2024.

Source: Suffolk County and Winthrop Town City 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	2 Trust Names on File
Mailing Address	45 BEACON ST, WINTHROP, MA 02152-1312
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 10, 2024
Transfer Doc	070157-202
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	45 BEACON ST, WINTHROP, MA 02152-1312
Transaction Type	Mortgage
Record Updated	Apr 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070032-67
Date	Apr 2, 2024
Book Page	70032/67
Instrument	19360

Lender

Name	HARVARD UNIVERSITY CREDIT UNION

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	241 Months
Due	May 1, 2044

Tax Assessment & Valuation

The 2026 property tax bill for 45 Beacon St was $7,389, up 13.2% from the year before.

Source: Suffolk County and Winthrop Town City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Suffolk County
Municipality	Winthrop Town City
Unified School District	Winthrop School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,389.00 (+13.22%)	$663,300 (+4.89%) Land $343,900 Building $319,400	$756,302
2025	$6,526.00 (+5.38%)	$632,400 (+6.41%) Land $327,600 Building $304,800
2024	$6,193.00 (-2.18%)	$594,300 (+0.44%) Land $314,800 Building $279,500
2023	$6,331.00	$591,700 Land $288,200 Building $303,500

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

Flood

FEMA maps place 45 Beacon St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 98 individual policies
Nearby Flood Policies	215 units insured incl. 117 condo units
Nearby Flood Claims	83 (1978–2018)
Claims Outside the SFHA	8 of 83
Most Recent Claim	Jan 2018 · tidal / storm surge
Claims by Event	Severe Storms And Flooding, May 2006 · 8 claims Coastal Storm, Oct 1991 · 11 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 19 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

The area around 45 Beacon 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WINTHROP WATER DIVISION, (MWRA) serves 19,316 people · EPA ID MA3346000
Water Source	Purchased surface water from MWRA
Last State Inspection	Dec 2023
Lead	8 ppb (2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 361 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Netafy Fixed Wireless	600 / 150
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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