46 Gray St, Boston, MA 02116 Property Records

Suffolk County and Boston City property record for 46 Gray St, Boston, MA 02116

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,209 sqft · built 1890
Lot Size	0.017 acres (756 sqft)
Owner	Individual Name on File
Last Sale	$1,750,000 (Sep 2012)
Tax Bill	$26,918 (2025)
Deeds & Mortgages	May 2026 Line of Credit Mar 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`CBOS W:05 P:00855 S:000`

Property Details

APN / Parcel Number

Primary APN	`CBOS W:05 P:00855 S:000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	2,209 sqft Living Area
Gross Area	2,835 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 2019
Architectural Style	Other
Exterior Material	Brick
Roof Type	Flat
Roof Material	Other
Lot Area	756 sqft (0.017 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water

Location & Zoning

Street Address	46 GRAY ST
City	BOSTON
State	MA
Zip	02116-6210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	FULLER & WHITNEY
Jurisdiction	BOSTON MA
Township / Civil Division	BOSTON
Census Block Group	2
Census Block	2008
Census Tract	70301

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the South End District (Boundary Increase II) listed 2025 · 8 contributing resources · NRIS 73000324

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

46 Gray St is owned and occupied by an individual who bought it in September 2012.

Source: Suffolk County and Boston City records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	46 GRAY ST, BOSTON, MA 02116-6210
Occupancy	Owner Occupied
Owner Type	Individual

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
May 26, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Mar 18, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
May 1, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Jul 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK OF RHODE ISLAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2012 · Amount on File
Deed Sale	Sep 4, 2012 · Amount on File
Prior Sale	Aug 20, 2003 · Amount on File
Deed Book / Page	50112 / 119
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOSTON MA
Recording Date	May 26, 2026
Property Address	46 GRAY ST, BOSTON, MA 02116-6210
Document Number	072804-251
Book / Page	72804 / 251
Instrument Date	May 14, 2026
Instrument	202631728
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 GRAY ST, BOSTON, MA 02116-6210

Mortgage

Document Number	0000031728,
Date	May 26, 2026
Book Page	72804/251
Instrument	202631728

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOSTON MA
Property Address	46 GRAY ST, BOSTON, MA 02116-6210
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069977-210
Date	Mar 18, 2024
Book Page	69977/210
Instrument	15829

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOSTON MA
Property Address	46 GRAY ST, BOSTON, MA 02116-6210
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61048-130
Date	May 1, 2019
Book Page	61048/130
Instrument	32157

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOSTON MA
Property Address	46 GRAY ST, BOSTON, MA 02116-6210
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63379-1
Date	Jul 17, 2020
Book Page	63379/1
Instrument	57598

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 46 Gray St was $26,918, up 3.4% from the year before.

Source: Suffolk County and Boston City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Suffolk County
Municipality	Boston City
Unified School District	Boston School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$26,918.00 (+3.44%)	$2,324,500 (-2.64%) Land $572,900 Building $1,751,600	$3,254,320 (+17.58%)
2024	$26,024.00 (+5.54%)	$2,387,500 (+3.99%) Land $522,200 Building $1,865,300	$2,767,730
2023	$24,658.00	$2,295,900 Land $502,200 Building $1,793,700

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

Flood

FEMA maps place 46 Gray St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 21, 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 in force

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 46 Gray 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	BOSTON WATER AND SEWER COMMISSION (MWRA) serves 675,647 people · EPA ID MA3035000
Water Source	Purchased surface water from MWRA
Last State Inspection	Mar 2026
Lead	6 ppb (2026) 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 2020
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 733 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Netafy Fixed Wireless	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband, Starry.

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