Middlesex County and Waltham City property record for 45 Winter St, Waltham, MA 02451
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,495 sqft · built 1955 |
| Lot Size | 0.327 acres (14,257 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $352,000 (May 2011) |
| Tax Bill | $7,435 (2026) |
| Deeds & Mortgages | Nov 2025 Line of Credit Jun 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 127366 |
| Primary APN | 127366 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,495 sqft Living Area |
| Gross Area | 3,444 sqft |
| Basement Area | 1,092 sqft |
| Unfinished Basement | 109 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,257 sqft (0.327 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Pool Type | In-Ground Pool |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 127366 |
|---|---|
| Street Address | 45 WINTER ST |
| City | WALTHAM |
| State | MA |
| Zip | 02451-0920 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1 |
| Legal Block | 6 |
| Legal Lot Number | 7 |
| Jurisdiction | WALTHAM MA |
| Township / Civil Division | WALTHAM |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 368102 |
Source: Middlesex County and Waltham 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 WINTER ST, WALTHAM, MA 02451-0920 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Nov 17, 2025 | Deed of Trust, Mortgage · Line of Credit EAST CAMBRIDGE SAVINGS BANK |
| Jun 19, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance PATRIOT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 27, 2011 · Amount on Record |
| Deed Sale | May 27, 2011 · Amount on Record |
| Deed Document Number | 20119 |
| Deed Book / Page | 56913 / 176 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTHAM MA |
| Property Address | 45 WINTER ST, WALTHAM, MA 02451-0920 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2025 |
| Name | Verified Name |
|---|
| Document Number | 084883-317 |
|---|---|
| Date | Nov 17, 2025 |
| Book Page | 84883/317 |
| Instrument | 140362 |
| Name | EAST CAMBRIDGE SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTHAM MA |
| Property Address | 45 WINTER ST, WALTHAM, MA 02451-0920 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74921-521 |
|---|---|
| Date | Jun 19, 2020 |
| Book Page | 74921/521 |
| Instrument | 95976 |
| Name | PATRIOT BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
Source: Middlesex County and Waltham City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Waltham City |
| Unified School District | Waltham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,435.00 (+8.51%) | $720,400 (+3.24%) Land $447,900 Building $272,500 | $814,389 (+6.64%) |
| 2025 | $6,852.00 (+5.45%) | $697,800 (+3.52%) Land $427,500 Building $270,300 | $763,705 (+2.45%) |
| 2024 | $6,498.00 (+0.57%) | $674,100 (+7.67%) Land $407,200 Building $266,900 | $745,465 |
| 2023 | $6,461.00 | $626,100 Land $371,800 Building $254,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 6 (1978–2015) |
| Most Recent Claim | Sep 2015 · 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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WALTHAM WATER DEPARTMENT serves 65,218 people · EPA ID MA3308000 |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Jun 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 549 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 |
| Astound Broadband Cable | 1,500 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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