46 Clark St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 46 Clark St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,466 sqft · built 1921
Lot Size	0.148 acres (6,438 sqft)
Owner	2 Individual Names on File
Last Sale	$1,035,000 (Sep 2026)
Tax Bill	$9,337 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:015 B:0058 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:015 B:0058 L:0`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,466 sqft Living Area
Gross Area	2,371 sqft
Basement Area	725 sqft
Unfinished Basement	544 sqft

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,438 sqft (0.148 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	46 CLARK ST
City	WINCHESTER
State	MA
Zip	01890-1806
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG
Legal Block	58
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	1
Census Block	1009
Census Tract	338200

Owner

46 Clark St is owned and occupied by two individuals who bought it in September 2026.

Source: Middlesex County and Winchester Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	46 CLARK ST, WINCHESTER, MA 01890-1806
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Sep 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Sep 18, 2026	Quit Claim Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
May 3, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC
Mar 24, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2026 · Amount on File
Deed Sale	Sep 18, 2026 · Amount on File
Prior Sale	May 3, 2024 · Amount on File
Deed Document Number	2026118909
Deed Book / Page	86153 / 445
Prior Transfer Date	Sep 2, 2026
Prior Transfer Doc	0000118909
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Recording Date	Sep 18, 2026
Property Address	46 CLARK ST, WINCHESTER, MA 01890-1806
Document Number	0000118910
Book / Page	86153 / 449
Instrument Date	Sep 2, 2026
Instrument	2026118910
Transaction Type	Mortgage
Record Updated	Oct 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 171
Address	46 CLARK ST, WINCHESTER, MA 01890-1806

Mortgage

Document Number	0000118910,
Date	Sep 18, 2026
Book Page	86153/449
Instrument	2026118910

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Sep 18, 2026
Property Address	46 CLARK ST, WINCHESTER, MA 01890-1806
Document Number	0000118909
Book / Page	86153 / 445
Instrument Date	Sep 2, 2026
Instrument	2026118909
Transaction Type	Transfer
Record Updated	Oct 6, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	46 CLARK ST, WINCHESTER, MA 01890-1806

Mortgage

Date	Sep 18, 2026

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Max Rate	-1%

May 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	May 3, 2024
Property Address	46 CLARK ST, WINCHESTER, MA 01890-1806
Document Number	082736-447
Book / Page	82736 / 447
Instrument Date	May 3, 2024
Instrument	45638
Transaction Type	Transfer
Record Updated	May 17, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	46 CLARK ST, WINCHESTER, MA 01890-1806

Mortgage

Document Number	0000045639
Date	May 3, 2024
Instrument	45639

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Mar 24, 2022
Property Address	46 CLARK ST, WINCHESTER, MA 01890-1806
Document Number	079870-381
Book / Page	79870 / 381
Instrument Date	Mar 23, 2022
Instrument	44216
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Lis Pendens Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 S OLIVER ST, TEWKSBURY, MA 01876-3222

Tax Assessment & Valuation

The 2026 property tax bill for 46 Clark St was $9,337, up 10,391% from the year before.

Source: Middlesex County and Winchester Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Winchester Town
Unified School District	Winchester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,337.00 (+10,391.01%)	$842,700 (+4.23%) Land $549,100 Building $293,600	$982,221 (+33.49%)
2025	$89.00 (-98.97%)	$808,500 (+5.74%) Land $521,700 Building $286,800	$735,775
2024	$8,663.00 (+2.1%)	$764,600 (+6.33%) Land $494,200 Building $270,400
2023	$8,485.00	$719,100 Land $453,000 Building $266,100

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

Flood

FEMA maps place 46 Clark St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	61 (1978–2014)
Claims Outside the SFHA	48 of 61
Most Recent Claim	Dec 2014 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 26 claims Severe Storms And Flooding, May 2006 · 13 claims Flooding, Apr 2004 · 6 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

Wildfire risk around 46 Clark St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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	WINCHESTER WATER DEPT serves 22,970 people · EPA ID MA3344000
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 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 504 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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