45 Howe St, Wellesley, MA 02482 Property Records

Norfolk County and Wellesley Town property record for 45 Howe St, Wellesley, MA 02482

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,828 sqft · built 1921
Lot Size	0.131 acres (5,692 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,330,000 (Nov 2022)
Tax Bill	$13,109 (2026)
Deeds & Mortgages	Apr 2023 Refinance Nov 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WELL M:136 R:009 S`

Property Details

APN / Parcel Number

Primary APN	`WELL M:136 R:009 S`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,828 sqft Living Area
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	5,692 sqft (0.131 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	45 HOWE ST
City	WELLESLEY
State	MA
Zip	02482-4609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR10
Jurisdiction	WELLESLEY MA
Township / Civil Division	WELLESLEY
Census Block Group	1
Census Block	1025
Census Tract	404302

Owner

Source: Norfolk County and Wellesley Town 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 HOWE ST, WELLESLEY, MA 02482-4609
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP
Nov 16, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LOANDEPOT.COM LLC
Oct 13, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2022 · Amount on Record
Deed Sale	Nov 16, 2022 · Amount on Record
Prior Sale	Oct 13, 2020 · Amount on Record
Deed Book / Page	40923 / 483
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLESLEY MA
Property Address	45 HOWE ST, WELLESLEY, MA 02482-4609
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041138-510
Date	Apr 12, 2023
Book Page	41138/510
Instrument	20878

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

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

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WELLESLEY MA
Recording Date	Nov 16, 2022
Property Address	45 HOWE ST, WELLESLEY, MA 02482-4609
Document Number	040923-483
Book / Page	40923 / 483
Instrument Date	Nov 16, 2022
Instrument	97627
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 HOWE ST, WELLESLEY, MA 02482-4609

Mortgage

Document Number	0000097628
Date	Nov 16, 2022
Instrument	97628

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WELLESLEY MA
Recording Date	Oct 13, 2020
Property Address	45 HOWE ST, WELLESLEY, MA 02482-4609
Document Number	38464-463
Book / Page	38464 / 463
Instrument Date	Oct 7, 2020
Instrument	110186
Transaction Type	Transfer
Record Updated	May 12, 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	45 HOWE ST, WELLESLEY, MA 02482-4609

Mortgage

Document Number	110187
Date	Oct 13, 2020
Instrument	110187

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Nov 1, 2027
Max Rate At Change	2.75%
Index	Other

Tax Assessment & Valuation

Source: Norfolk County and Wellesley Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Norfolk County
County Subdivision	Wellesley Town
Unified School District	Wellesley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$13,109.00 (-3.18%)	$1,289,000 (-2.13%) Land $802,000 Building $487,000	$1,446,851 (-7.81%)
2025	$13,539.00 (+6.08%)	$1,317,000 (+7.42%) Land $884,000 Building $433,000	$1,569,400 (+4.75%)
2024	$12,763.00 (+0.6%)	$1,226,000 (+10.65%) Land $803,000 Building $423,000	$1,498,245
2023	$12,687.00	$1,108,000 Land $712,000 Building $396,000

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 May 26, 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	6 in force
Nearby Flood Claims	2 (1982–2010)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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	Low lower than 95% of the US · lower than 90% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	WELLESLEY WATER DIVISION serves 29,550 people · EPA ID MA3317000
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2025
Lead	4 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 302 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

May also be available: AT&T, T-Mobile.

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