45 Pine St, Wellesley Hills, MA 02481 Property Records

Norfolk County and Wellesley Town property record for 45 Pine St, Wellesley Hills, MA 02481

Property Summary

Property Type	Single Family Home
Details	6 bd · 6 ba · 5,487 sqft · built 1996
Lot Size	0.53 acres (23,094 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,825,000 (Nov 2023)
Tax Bill	$29,961 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Sep 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WELL M:052 R:042 S`

Property Details

APN / Parcel Number

Primary APN	`WELL M:052 R:042 S`

Interior

Bedrooms	6 Beds
Full Baths	6 Baths
Half Baths	2 Half Baths
Total Rooms	15 Rooms
Stories	3 Stories
Building Area	5,487 sqft Living Area
Basement Area	1,200 sqft
Unfinished Basement	1,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	23,094 sqft (0.53 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	45 PINE ST
City	WELLESLEY HILLS
State	MA
Zip	02481-3203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR15
Jurisdiction	WELLESLEY MA
Township / Civil Division	WELLESLEY
Census Block Group	3
Census Block	3012
Census Tract	404201

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 PINE ST, WELLESLEY HILLS, MA 02481-3203
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Deed of Trust, Mortgage · Line of Credit MIDDLESEX SAVINGS BANK
Sep 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY MORTGAGE
Nov 2, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FIRST COMMUNITY MORTGAGE
Nov 1, 2017	Deed of Trust, Mortgage · ARM FIRST REPUBLIC BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2023 · Amount on Record
Deed Sale	Nov 2, 2023 · Amount on Record
Prior Sale	Aug 30, 1996 · Amount on Record
Deed Document Number	202372638
Deed Book / Page	41493 / 10
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLESLEY MA
Recording Date	Jun 8, 2026
Property Address	45 PINE ST, WELLESLEY HILLS, MA 02481-3203
Document Number	00043155-9
Book / Page	43155 / 9
Instrument Date	May 23, 2026
Instrument	202638290
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 PINE ST, WELLESLEY HILLS, MA 02481-3203
Investor	Possibly a Property Investor

Mortgage

Document Number	0000038290,
Date	Jun 8, 2026
Book Page	43155/9
Instrument	202638290

Lender

Name	MIDDLESEX SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.23%
Initial Type	Adjustable Rate
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLESLEY MA
Property Address	45 PINE ST, WELLESLEY, MA 02481-3203
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042638-188
Date	Sep 10, 2025
Book Page	42638/188
Instrument	63239

Lender

Name	FIRST COMMUNITY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WELLESLEY MA
Recording Date	Nov 2, 2023
Property Address	45 PINE ST, WELLESLEY, MA 02481-3203
Document Number	0041493-10
Book / Page	41493 / 10
Instrument Date	Nov 2, 2023
Instrument	72638
Transaction Type	Transfer
Record Updated	Nov 17, 2023

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 PINE ST, WELLESLEY, MA 02481-3203

Mortgage

Document Number	0000072639
Date	Nov 2, 2023
Instrument	72639

Lender

Name	FIRST COMMUNITY MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Type Change Date	Nov 2, 2023
Max Rate At Change	2.75%
Index	Other

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLESLEY MA
Property Address	45 PINE ST, WELLESLEY, MA 02481-3203
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	035566-481
Date	Nov 1, 2017
Book Page	35566/481
Instrument	104619

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.05%

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	$29,961.00 (+5.56%)	$2,946,000 (+6.7%) Land $1,270,000 Building $1,676,000	$3,473,720 (+10.57%)
2025	$28,383.00 (+4.1%)	$2,761,000 (+5.42%) Land $1,270,000 Building $1,491,000	$3,141,555 (+4.72%)
2024	$27,264.00 (+0.55%)	$2,619,000 (+10.6%) Land $1,149,000 Building $1,470,000	$2,999,815
2023	$27,114.00	$2,368,000 Land $1,027,000 Building $1,341,000

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	2 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2020 · rainfall accumulation

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 306 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

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

Cell Coverage

5G (outdoors only) and 4G LTE

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