45 Laurel St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 45 Laurel St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,582 sqft · built 1900
Lot Size	0.099 acres (4,308 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Dec 2019)
Tax Bill	$10,058 (2026)
Deeds & Mortgages	Oct 2018 Mortgage Nov 2020 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0E7 P:0000080`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0E7 P:0000080`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,582 sqft Living Area
Gross Area	3,498 sqft
Basement Area	746 sqft
Unfinished Basement	746 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1985
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,308 sqft (0.099 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Heating Fuel	Oil

Location & Zoning

Street Address	45 LAUREL ST
City	MELROSE
State	MA
Zip	02176-4038
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URA
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	2
Census Block	2004
Census Tract	336300

Owner

45 Laurel St is owned and occupied by two individuals who bought it in December 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	45 LAUREL ST, MELROSE, MA 02176-4038
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Oct 4, 2018	Deed of Trust, Mortgage LOWELL FIVE CENTS SAVINGS BANK
Nov 25, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP.
Dec 17, 2019	Quit Claim Deed, Transfer · Conventional Mortgage ROSS MTG CO INC
Aug 29, 2018	Quit Claim Deed, Transfer Quitclaim
May 4, 2018	Personal Representative Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2019 · Amount on File
Deed Sale	Dec 17, 2019 · Amount on File
Prior Sale	Aug 29, 2018 · Amount on File
Deed Document Number	20199249
Deed Book / Page	73834 / 414
Prior Transfer Date	Dec 16, 2019
Prior Transfer Doc	73834-414
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	45 LAUREL ST, MELROSE, MA 02176-4038
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	71709-420
Date	Oct 4, 2018
Book Page	71709/420
Instrument	153714

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	45 LAUREL ST, MELROSE, MA 02176-4038
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76269-318
Date	Nov 25, 2020
Book Page	76269/318
Instrument	223405

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Dec 17, 2019
Property Address	45 LAUREL ST, MELROSE, MA 02176-4038
Document Number	73834-414
Book / Page	073834 / 000414
Instrument Date	Dec 16, 2019
Instrument	9249
Transaction Type	Transfer
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,964.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45 LAUREL ST MELROSE MA 021764038, MELROSE, MA 02176-4038

Mortgage

Document Number	73834-418
Date	Dec 17, 2019
Book Page	073834/000418
Instrument	9250

Lender

Name	ROSS MTG CO INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 16, 2049

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Aug 29, 2018
Property Address	45 LAUREL ST, MELROSE, MA 02176-4038
Document Number	71542-97
Book / Page	071542 / 000097
Instrument Date	Aug 27, 2018
Instrument	132978
Transaction Type	Transfer
Record Updated	Jan 15, 2019

Transaction

Amount	Amount on Record
Tax	$1,824.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	20C DEL CARMINE ST #101 WAKEFIELD MA 018803487, 101, WAKEFIELD, MA 01880-3487

May 2018: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	MELROSE MA
Recording Date	May 4, 2018
Property Address	45 LAUREL ST, MELROSE, MA 02176-4038
Document Number	70967-334
Book / Page	070967 / 000334
Instrument Date	May 3, 2018
Instrument	62571
Transaction Type	Transfer
Record Updated	May 23, 2018

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 LAUREL ST MELROSE MA 021764038, MELROSE, MA 02176-4038

Tax Assessment & Valuation

The 2026 property tax bill for 45 Laurel St was $10,058, up 12,165.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,058.00 (+12,165.85%)	$876,900 (+4.6%) Land $468,900 Building $408,000	$880,084 (+6.63%)
2025	$82.00 (-98.97%)	$838,300 (+4.32%) Land $442,100 Building $396,200	$825,360
2024	$7,980.00 (+0.3%)	$803,600 (+5.25%) Land $415,300 Building $388,300
2023	$7,956.00	$763,500 Land $401,900 Building $361,600

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

Flood

FEMA maps place 45 Laurel St in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1982.

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 Claims	12 (1982–2006)
Most Recent Claim	May 2006 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 5 claims Extreme Weather Conditons And Flooding, Oct 1996 · 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

The area around 45 Laurel 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	MELROSE WATER DIVISION (MWRA) serves 29,938 people · EPA ID MA3178000
Water Source	Purchased surface water from MWRA
Last State Inspection	Oct 2025
Lead	10 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement currently in violation since Nov 2021
Monitoring and Reporting	None 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 785 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
Netafy Fixed Wireless	476 / 106
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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