45 Floyd St, Winthrop, MA 02152 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,608 sqft · built 1928
Lot Size	0.129 acres (5,609 sqft)
Owner	2 Individual Names on Record
Last Sale	$700,000 (Apr 2023)
Tax Bill	$8,539 (2026)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WINT M:073 L:124`

Property Details

APN / Parcel Number

Primary APN	`WINT M:073 L:124`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,608 sqft Living Area
Gross Area	2,580 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	5,609 sqft (0.129 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	45 FLOYD ST
City	WINTHROP
State	MA
Zip	02152-1507
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	124
Jurisdiction	WINTHROP MA
Township / Civil Division	WINTHROP TOWN
Census Block Group	2
Census Block	2008
Census Tract	180101

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	2 Individual Names on Record
Mailing Address	45 FLOYD ST, WINTHROP, MA 02152-1507
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAMBRIDGE SAVINGS BANK
Feb 1, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MSA LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2023 · Amount on Record
Deed Sale	Apr 27, 2023 · Amount on Record
Prior Sale	Feb 1, 2021 · Amount on Record
Deed Book / Page	68918 / 157
Record Updated	Oct 29, 2026

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINTHROP MA
Recording Date	Apr 27, 2023
Property Address	45 FLOYD ST, WINTHROP, MA 02152-1507
Document Number	068918-157
Book / Page	68918 / 157
Instrument Date	Apr 27, 2023
Instrument	24406
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	45 FLOYD ST, WINTHROP, MA 02152-1507
Investor	Possibly a Property Investor

Mortgage

Document Number	0000024407
Date	Apr 27, 2023
Instrument	24407

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINTHROP MA
Recording Date	Feb 1, 2021
Property Address	45 FLOYD ST, WINTHROP, MA 02152-1507
Document Number	64700-165
Book / Page	64700 / 165
Instrument Date	Feb 1, 2021
Instrument	11380
Transaction Type	Transfer
Record Updated	Jun 10, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	15 OCEAN AVE, WINTHROP, MA 02152-1200
Investor	Possibly a Property Investor

Mortgage

Document Number	11381
Date	Feb 1, 2021
Instrument	11381

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$8,539.00 (+11.53%)	$766,500 (+3.32%) Land $410,900 Building $355,600	$766,394 (+0.94%)
2025	$7,656.00 (+0.9%)	$741,900 (+1.88%) Land $391,300 Building $350,600
2024	$7,588.00 (+5.52%)	$728,200 (+8.35%) Land $392,500 Building $335,700	$759,240
2023	$7,191.00	$672,100 Land $353,200 Building $318,900

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	25 (1978–2018)
Claims Outside the SFHA	16 of 25
Most Recent Claim	Aug 2018 · other causes
Claims by Event	Winter Coastal Storm, Dec 1992 · 3 claims Coastal Storm, Oct 1991 · 5 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 3 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 681 locations within half a mile, as of December 31, 2025

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

May also be available: Astound Broadband, Netafy, Verizon.

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