48 Forest St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 48 Forest St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,400 sqft · built 1926
Lot Size	0.132 acres (5,759 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (Oct 2008)
Tax Bill	$11,061 (2026)
Deeds & Mortgages	Aug 2023 Line of Credit Sep 2020 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:012 B:0094 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:012 B:0094 L:0`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,400 sqft Living Area
Gross Area	2,165 sqft
1st Floor Area	1,012 sqft
Basement Area	700 sqft
Unfinished Basement	700 sqft

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,759 sqft (0.132 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	48 FOREST ST
City	WINCHESTER
State	MA
Zip	01890-1235
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG
Legal Block	94
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	3
Census Block	3024
Census Tract	338200

Owner

48 Forest St is owned and occupied by two individuals who bought it in October 2008.

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

Owner of Record	2 Individual Names on File
Mailing Address	48 FOREST ST, WINCHESTER, MA 01890-1235
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
Aug 21, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Sep 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE NETWORK INC
Feb 10, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND
Oct 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE NTWK
Jan 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage MASS BAY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2008 · Amount on File
Deed Sale	Oct 31, 2008 · Amount on File
Prior Sale	Sep 30, 1997 · Amount on File
Deed Document Number	2008176652
Deed Book / Page	51851 / 46
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	48 FOREST ST, WINCHESTER, MA 01890-1235
Transaction Type	Mortgage
Record Updated	Sep 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0081907-28
Date	Aug 21, 2023
Book Page	81907/28
Instrument	93507

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Sep 1, 2048

Interest

Rate Type	Adjustable Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	48 FOREST ST, WINCHESTER, MA 01890-1235
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	075742-355
Date	Sep 29, 2020
Book Page	75742/355
Instrument	173179

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

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

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	48 FOREST ST, WINCHESTER, MA 01890-1235
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	076928-382
Date	Feb 10, 2021
Book Page	76928/382
Instrument	30541

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Mar 1, 2046

Interest

Rate Type	Adjustable Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	48 FOREST ST, WINCHESTER, MA 01890-1235
Document Number	73486-418
Instrument Date	Oct 18, 2019
Transaction Type	Mortgage
Record Updated	Nov 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 FOREST ST WINCHESTER MA 018901235, WINCHESTER, MA 01890-1235

Mortgage

Document Number	73486-418
Date	Oct 21, 2019
Book Page	073486/000418
Instrument	161389

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 20, 2049

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	48 FOREST ST, WINCHESTER, MA 01890-1235
Document Number	70533-538
Book / Page	070533 / 000538
Instrument Date	Jan 12, 2018
Transaction Type	Mortgage
Record Updated	Feb 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	70533-538
Date	Jan 22, 2018
Book Page	070533/000538
Instrument	9442

Lender

Name	MASS BAY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jan 21, 2023

Tax Assessment & Valuation

The 2026 property tax bill for 48 Forest St was $11,061, up 0.5% 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	$11,061.00 (+0.51%)	$998,300 (+0.6%) Land $690,700 Building $307,600	$1,009,182 (+18.81%)
2025	$11,005.00 (+10.66%)	$992,300 (+13.04%) Land $690,700 Building $301,600	$849,395
2024	$9,945.00 (+3.57%)	$877,800 (+7.88%) Land $600,600 Building $277,200
2023	$9,602.00	$813,700 Land $540,600 Building $273,100

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

Flood

FEMA maps place 48 Forest St in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 28 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	113 units insured incl. 85 condo units

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 48 Forest 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 260 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
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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