45 South St, Needham, MA 02492 Property Records

Norfolk County and Needham Town property record for 45 South St, Needham, MA 02492

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 3,232 sqft · built 1952
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,400,000 (Mar 2025)
Tax Bill	$24,558 (2025)
Deeds & Mortgages	May 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`M:0080002700000`

Property Details

APN / Parcel Number

Primary APN	`M:0080002700000`
Alternative APN	`NEED M:008.0 B:0027 L:0000.0`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	3,232 sqft Living Area
Gross Area	6,095 sqft
1st Floor Area	3,232 sqft
Basement Area	2,872 sqft
Unfinished Basement	1,672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 2014
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,553 sqft (0.38 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	45 SOUTH ST
City	NEEDHAM
State	MA
Zip	02492-2703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRB
Legal Block	27
Jurisdiction	NEEDHAM MA
Township / Civil Division	NEEDHAM
Census Block Group	4
Census Block	4015
Census Tract	403100

Owner

Source: Norfolk County and Needham Town records, as of July 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 SOUTH ST, NEEDHAM, MA 02492-2703
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2025 · Amount on Record
Deed Sale	Mar 10, 2025 · Amount on Record
Prior Sale	Jun 30, 1988 · Amount on Record
Deed Document Number	202514242
Deed Book / Page	42285 / 373
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Recording Date	May 8, 2026
Property Address	45 SOUTH ST, NEEDHAM, MA 02492-2703
Document Number	0000030209
Book / Page	43095 / 504
Instrument Date	May 1, 2026
Instrument	202630209
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 SOUTH ST, NEEDHAM, MA 02492-2703

Mortgage

Document Number	043095-504,
Date	May 8, 2026
Book Page	43095/504
Instrument	202630209

Lender

Name	BANK OF AMIERCA NA

Agreement

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

Interest

Rate	6.46%
Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$24,558.00 (+11.38%)	$2,316,800 (+37.02%) Land $815,400 Building $1,501,400	$2,270,975 (-10.84%)
2024			$2,546,950
2023	$22,048.00	$1,690,800 Land $591,800 Building $1,099,000

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 (1982)
Most Recent Claim	Jun 1982 · 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 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	NEEDHAM WATER DEPT serves 31,664 people · EPA ID MA3199000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jun 2024
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 224 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
Astound Broadband Cable	1,500 / 50

May also be available: T-Mobile.

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