45 Colgate Rd, Newton Lower Falls, MA 02462 Property Records

Middlesex County and Newton City property record for 45 Colgate Rd, Newton Lower Falls, MA 02462

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,898 sqft · built 2016
Lot Size	0.178 acres (7,760 sqft)
Owner	2 Trust Names on File
Last Sale	$1,500,000 (Jun 2017)
Tax Bill	$18,106 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`42032 0054`

Property Details

APN / Parcel Number

Primary APN	`42032 0054`
Alternative APN	`NEWT S:42 B:032 L:0054`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,898 sqft Living Area
Gross Area	5,224 sqft
1st Floor Area	1,310 sqft
Basement Area	1,310 sqft
Unfinished Basement	327 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,760 sqft (0.178 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	42032 0054
Street Address	45 COLGATE RD
City	NEWTON LOWER FALLS
State	MA
Zip	02462-1304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR3
Legal Block	32
Legal Lot Number	54
Jurisdiction	NEWTON MA
Township / Civil Division	NEWTON
Census Block Group	3
Census Block	3027
Census Tract	374800

Owner

45 Colgate Rd is owner-occupied and held in a trust since September 2019.

Source: Middlesex County and Newton City records, as of October 20, 2026

Owner of Record	2 Trust Names on File
Mailing Address	45 COLGATE RD, NEWTON LOWER FALLS, MA 02462-1304
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2021	Deed of Trust, Mortgage · ARM LOANDEPOT.COM LLC
Apr 16, 2021	Deed of Trust, Mortgage · ARM LOANDEPOT.COM LLC
Jan 23, 2020	Deed of Trust, Mortgage · ARM LOANDEPOT.COM LLC
Nov 4, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Jun 1, 2017	Quit Claim Deed, Transfer LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2017 · Amount on File
Deed Sale	Jun 1, 2017 · Amount on File
Prior Sale	Sep 2, 2015 · Amount on File
Deed Book / Page	69371 / 111
Last Transfer Date	Sep 7, 2019
Transfer Doc	73589-220
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON MA
Property Address	45 COLGATE RD, NEWTON, MA 02462-1304
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00077530-4
Date	Apr 16, 2021
Book Page	77530/4
Instrument	85998

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	May 1, 2031
Index	Other
Margin	3

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON MA
Property Address	45 COLGATE RD, NEWTON, MA 02462-1304
Transaction Type	Mortgage
Record Updated	Apr 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	77530-4
Date	Apr 16, 2021
Book Page	77530/4
Instrument	85998

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	May 1, 2031
Index	Other
Margin	3

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON MA
Property Address	45 COLGATE RD, NEWTON, MA 02462-1304
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74027-20
Date	Jan 23, 2020
Book Page	74027/20
Instrument	10617

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Type Change Date	Feb 1, 2030

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEWTON MA
Recording Date	Nov 4, 2019
Property Address	45 COLGATE RD, NEWTON, MA 02462-1304
Document Number	73589-220
Book / Page	073589 / 000220
Instrument Date	Sep 7, 2019
Instrument	171694
Transaction Type	Transfer
Record Updated	Nov 19, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	45 COLGATE RD NEWTON MA 024621304, NEWTON, MA 02462-1304

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEWTON MA
Recording Date	Jun 1, 2017
Property Address	45 COLGATE RD, NEWTON, MA 02462-1304
Document Number	69371-111
Book / Page	069371 / 000111
Instrument Date	Apr 5, 2017
Instrument	82065
Transaction Type	Transfer
Record Updated	Jun 20, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,840.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45 COLGATE RD NEWTON MA 024621304, NEWTON, MA 02462-1304

Mortgage

Document Number	69371-114
Date	Jun 1, 2017
Book Page	069371/000114
Instrument	82066

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 31, 2047

Interest

Rate	3.38%

Tax Assessment & Valuation

The 2026 property tax bill for 45 Colgate Rd was $18,106, up 3.8% from the year before.

Source: Middlesex County and Newton City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Newton City
Unified School District	Newton School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$18,106.00 (+3.82%)	$1,868,500 (+5%) Land $819,400 Building $1,049,100	$2,025,210 (-)
2025	$17,439.00 (+3.42%)	$1,779,500 (+3%) Land $780,400 Building $999,100	$2,025,210 (-3.64%)
2024	$16,862.00 (+3.51%)	$1,727,700 (+7.97%) Land $757,700 Building $970,000	$2,101,780
2023	$16,290.00	$1,600,200 Land $579,500 Building $1,020,700

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

Flood

FEMA maps place 45 Colgate Rd in Zone X, an area of minimal flood risk, though there have been 8 flood claims 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	5 in force
Nearby Flood Claims	8 (1978–2023)
Claims Outside the SFHA	6 of 8
Most Recent Claim	Mar 2023 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 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

Wildfire risk around 45 Colgate Rd 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 98% of the US · lower than 96% 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.

Drinking Water

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

Water System	NEWTON WATER DEPT. (MWRA) serves 88,931 people · EPA ID MA3207000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jul 2024
Lead	1 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	2 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 341 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
Astound Broadband Cable	1,500 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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