46 Stevens Rd, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 46 Stevens Rd, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 931 sqft · built 1953
Lot Size	0.138 acres (5,994 sqft)
Owner	Individual Name on File
Last Sale	$514,500 (Dec 2019)
Tax Bill	$7,350 (2026)
Deeds & Mortgages	Mar 2021 Line of Credit Apr 2024 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:A11 P:0000077`

Property Details

APN / Parcel Number

Primary APN	`MELR M:A11 P:0000077`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	931 sqft Living Area
Gross Area	1,870 sqft
Basement Area	931 sqft
Unfinished Basement	931 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,994 sqft (0.138 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	46 STEVENS RD
City	MELROSE
State	MA
Zip	02176-2114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URA
Legal Subdivision	FELLSWAY HEIGHTS
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	4
Census Block	4015
Census Tract	336100

Owner

46 Stevens Rd is owned and occupied by an individual who bought it in December 2019.

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

Owner of Record	Individual Name on File
Mailing Address	46 STEVENS RD, MELROSE, MA 02176-2114
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
Mar 9, 2021	Deed of Trust, Mortgage · Line of Credit CITY OF BOSTON CREDIT UNION
Apr 25, 2024	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Nov 25, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Dec 16, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC
Nov 30, 2017	Quit Claim Deed, Transfer UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2019 · Amount on File
Deed Sale	Dec 16, 2019 · Amount on File
Prior Sale	Nov 30, 2017 · Amount on File
Deed Document Number	20198733
Deed Book / Page	73830 / 173
Prior Transfer Date	Nov 30, 2019
Prior Transfer Doc	73830-173
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	46 STEVENS RD, MELROSE, MA 02176-2114
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077175-363
Date	Mar 9, 2021
Book Page	77175/363
Instrument	52323

Lender

Name	CITY OF BOSTON CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

Interest

Rate Type	Adjustable Rate

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	46 STEVENS RD, MELROSE, MA 02176-2114
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	082698-111
Date	Apr 25, 2024
Book Page	82698/111
Instrument	41313

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Adjustable Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	46 STEVENS RD, MELROSE, MA 02176-2114
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76272-159
Date	Nov 25, 2020
Book Page	76272/159
Instrument	223624

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

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

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Dec 16, 2019
Property Address	46 STEVENS RD, MELROSE, MA 02176-2114
Document Number	73830-173
Book / Page	73830 / 173
Instrument Date	Nov 30, 2019
Instrument	198733
Transaction Type	Transfer
Record Updated	May 12, 2021

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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 STEVENS RD, MELROSE, MA 02176-2114

Mortgage

Document Number	198734
Date	Dec 16, 2019
Instrument	198734

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Nov 30, 2017
Property Address	46 STEVENS RD, MELROSE, MA 02176-2114
Document Number	70310-330
Book / Page	70310 / 330
Instrument	194067
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$43.78
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 STEVENS RD, MELROSE, MA 02176-2114

Mortgage

Document Number	703100332
Date	Nov 30, 2017
Instrument	70310/0332

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	361 Months
Due	Nov 30, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 46 Stevens Rd was $7,350, up 12,357.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,350.00 (+12,357.63%)	$640,800 (+6.87%) Land $505,000 Building $135,800	$644,465 (-5.36%)
2025	$59.00 (-98.99%)	$599,600 (+2.32%) Land $477,700 Building $121,900	$680,960
2024	$5,819.00 (-1.77%)	$586,000 (+3.08%) Land $464,100 Building $121,900
2023	$5,924.00	$568,500 Land $450,400 Building $118,100

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

Flood

FEMA maps place 46 Stevens Rd 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 Stevens Rd 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	MELROSE WATER DIVISION (MWRA) serves 29,938 people · EPA ID MA3178000
Water Source	Purchased surface water from MWRA
Last State Inspection	Oct 2025
Lead	10 ppb (2025) 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 2021
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 494 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 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, Netafy.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Stevens Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures