48 Mount Vernon St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 48 Mount Vernon St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,599 sqft · built 1900
Lot Size	0.165 acres (7,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,543 (Sep 2017)
Tax Bill	$9,218 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Jul 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0C5 P:0000121`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0C5 P:0000121`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,599 sqft Living Area
Gross Area	3,369 sqft
Basement Area	871 sqft
Unfinished Basement	871 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,200 sqft (0.165 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	48 MOUNT VERNON ST
City	MELROSE
State	MA
Zip	02176-5320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URA
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	1
Census Block	1006
Census Tract	336404

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	48 MOUNT VERNON ST, MELROSE, MA 02176-5320
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2026	Deed of Trust, Mortgage ROCKET MORTGAGE LLC
Jul 8, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 26, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CENTURY BANK & TRUST
Aug 11, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CENTURY BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2017 · Amount on Record
Deed Sale	Sep 29, 2017 · Amount on Record
Deed Document Number	2017158482
Deed Book / Page	70010 / 554
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	48 MOUNT VERNON ST, MELROSE, MA 02176-5320
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	085264-532
Date	Feb 25, 2026
Book Page	85264/532
Instrument	20112

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	48 MOUNT VERNON ST, MELROSE, MA 02176-5320
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084329-525
Date	Jul 8, 2025
Book Page	84329/525
Instrument	78840

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	48 MOUNT VERNON ST, MELROSE, MA 02176-5320
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72373-467
Date	Mar 26, 2019
Book Page	72373/467
Instrument	36479

Lender

Name	CENTURY BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2034

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	48 MOUNT VERNON ST, MELROSE, MA 02176-5320
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75340-428
Date	Aug 11, 2020
Book Page	75340/428
Instrument	135099

Lender

Name	CENTURY BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

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	$9,218.00 (+21.27%)	$803,700 (+4.68%) Land $511,700 Building $292,000	$745,283 (-13.47%)
2025	$7,601.00 (+1.52%)	$767,800 (+1.83%) Land $484,000 Building $283,800	$861,270
2024	$7,487.00 (+0.5%)	$754,000 (+5.45%) Land $470,200 Building $283,800
2023	$7,450.00	$715,000 Land $456,400 Building $258,600

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

Flood

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

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 802 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
Netafy Fixed Wireless	476 / 106
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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