45 Emerson Rd, Winthrop, MA 02152 Property Records

Suffolk County and Winthrop Town City property record for 45 Emerson Rd, Winthrop, MA 02152

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,332 sqft · built 1930
Lot Size	0.133 acres (5,800 sqft)
Owner	Individual Name on Record
Last Sale	$440,000 (Sep 2012)
Tax Bill	$10,554 (2026)
Deeds & Mortgages	Aug 2023 Refinance Dec 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINT M:027 L:058`

Property Details

APN / Parcel Number

Primary APN	`WINT M:027 L:058`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,332 sqft Living Area
Gross Area	3,582 sqft
Basement Area	944 sqft
Unfinished Basement	944 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,800 sqft (0.133 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	45 EMERSON RD
City	WINTHROP
State	MA
Zip	02152-2314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	58
Jurisdiction	WINTHROP MA
Township / Civil Division	WINTHROP TOWN
Census Block Group	3
Census Block	3006
Census Tract	180301

Owner

Source: Suffolk County and Winthrop Town City records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	45 EMERSON RD, WINTHROP, MA 02152-2314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER FIRST FEDERAL CREDIT UNION
Dec 1, 2020	Deed of Trust, Mortgage · Line of Credit WEBSTER FIRST FEDERAL CREDIT UNION
Apr 3, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2012 · Amount on Record
Deed Sale	Sep 17, 2012 · Amount on Record
Deed Book / Page	50183 / 193
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	45 EMERSON RD, WINTHROP, MA 02152-2314
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069300-35
Date	Aug 7, 2023
Book Page	69300/35
Instrument	49453

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2038

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	45 EMERSON RD, WINTHROP, MA 02152-2314
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64284-232
Date	Dec 1, 2020
Book Page	64284/232
Instrument	106453

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	45 EMERSON RD, WINTHROP, MA 02152-2314
Document Number	57814-31
Instrument Date	Apr 3, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57814-31
Date	Apr 18, 2017
Book Page	057814/000031
Instrument	32513

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 17, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$10,554.00 (+17.19%)	$947,400 (+8.56%) Land $462,300 Building $485,100	$936,721 (+4.43%)
2025	$9,006.00 (-2.8%)	$872,700 (-1.86%) Land $440,300 Building $432,400
2024	$9,265.00 (+9.05%)	$889,200 (+11.99%) Land $423,200 Building $466,000	$896,990
2023	$8,496.00	$794,000 Land $387,300 Building $406,700

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

Flood

Source: FEMA National Flood Hazard Layer, effective January 21, 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
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	75 (1978–2022)
Claims Outside the SFHA	6 of 75
Most Recent Claim	Dec 2022 · rainfall accumulation
Claims by Event	Winter Coastal Storm, Dec 1992 · 6 claims Coastal Storm, Oct 1991 · 15 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 4 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

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 662 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

May also be available: T-Mobile.

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