46 James St, Malden, MA 02148 Property Records

Middlesex County and Malden City property record for 46 James St, Malden, MA 02148

Property Summary

Property Type	Duplex
Details	6 bd · 4 ba · 3,139 sqft · built 1930
Lot Size	0.124 acres (5,388 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (May 2015)
Tax Bill	$12,819 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Sep 2024 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MALD M:067 B:318 L:807`

Property Details

APN / Parcel Number

Primary APN	`MALD M:067 B:318 L:807`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	13 Rooms
Units	2 Units
Stories	3 Stories
Building Area	3,139 sqft Living Area
Gross Area	5,328 sqft
Basement Area	1,244 sqft
Unfinished Basement	1,244 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,388 sqft (0.124 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	46 JAMES ST
City	MALDEN
State	MA
Zip	02148-7515
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RESA
Legal Block	318
Legal Lot Number	807
Jurisdiction	MALDEN MA
Township / Civil Division	MALDEN
Census Block Group	4
Census Block	4011
Census Tract	341400

Owner

46 James St, a duplex, is owned and occupied by two individuals who acquired it in September 2024.

Source: Middlesex County and Malden City records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	46 JAMES ST, MALDEN, MA 02148-7515
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2021	Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORP
Sep 24, 2024	Quit Claim Deed, Transfer · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Sep 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2015 · Amount on File
Deed Sale	May 8, 2015 · Amount on File
Deed Book / Page	65341 / 131
Last Transfer Date	Sep 18, 2024
Transfer Doc	083274-394
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MALDEN MA
Property Address	46 JAMES ST, MALDEN, MA 02148-7515
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078541-104
Date	Aug 25, 2021
Book Page	78541/104
Instrument	189526

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

September 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MALDEN MA
Recording Date	Sep 24, 2024
Property Address	46 JAMES ST, MALDEN, MA 02148-7515
Document Number	083274-394
Book / Page	83274 / 394
Instrument Date	Sep 18, 2024
Instrument	202400108276
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	46 JAMES ST, MALDEN, MA 02148-7515

Mortgage

Document Number	202400108277
Date	Sep 24, 2024
Instrument	202400108277

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2054

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MALDEN MA
Property Address	46 JAMES ST, MALDEN, MA 02148-7515
Document Number	71677-64
Instrument Date	Sep 12, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	46 JAMES ST MALDEN MA 021487515, MALDEN, MA 02148-7515

Mortgage

Document Number	71677-64
Date	Sep 28, 2018
Book Page	071677/000064
Instrument	149707

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 27, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 46 James St was $12,819, up 10,856.4% from the year before.

Source: Middlesex County and Malden City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Malden City
Unified School District	Malden School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,819.00 (+10,856.41%)	$1,124,500 (+8.39%) Land $335,400 Building $779,300	$1,006,818
2025	$117.00 (-98.98%)	$1,037,500 (+6.19%) Land $301,900 Building $735,600
2024	$11,421.00 (+3.07%)	$977,000 (+7.48%) Land $285,100 Building $691,900
2023	$11,081.00	$909,000 Land $260,000 Building $649,000

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

Flood

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

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 46 James 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	MALDEN WATER DIVISION (MWRA) serves 66,263 people · EPA ID MA3165000
Water Source	Purchased surface water from MWRA
Last State Inspection	Apr 2024
Lead	10 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	No certified operator Mar 2016
Monitoring and Reporting	3 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 1,089 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
Netafy Fixed Wireless	150 / 150

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

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