49 Laurel St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 49 Laurel St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,921 sqft · built 1904
Lot Size	0.163 acres (7,100 sqft)
Owner	2 Individual Names on File
Last Sale	$332,800 (Jan 2000)
Tax Bill	$10,301 (2026)
Deeds & Mortgages	Oct 2021 Refinance Sep 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0E7 P:0000079`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0E7 P:0000079`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,921 sqft Living Area
Gross Area	3,892 sqft
Basement Area	877 sqft
Unfinished Basement	877 sqft

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	7,100 sqft (0.163 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	49 LAUREL ST
City	MELROSE
State	MA
Zip	02176-4038
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URA
Legal Subdivision	MELROSE
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	2
Census Block	2004
Census Tract	336300

Owner

49 Laurel St is owned and occupied by two individuals who bought it in January 2000.

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

Owner of Record	2 Individual Names on File
Mailing Address	49 LAUREL ST, MELROSE, MA 02176-4038
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Oct 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Sep 26, 2017	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Jan 18, 2019	Deed of Trust, Mortgage · Balloon Mortgage EASTERN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2000 · Amount on File
Deed Sale	Jan 6, 2000 · Amount on File
Prior Sale	Oct 3, 1989 · Amount on File
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	49 LAUREL ST, MELROSE, MA 02176-4038
Transaction Type	Mortgage
Record Updated	Oct 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78875-373
Date	Oct 8, 2021
Book Page	78875/373
Instrument	222484

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	49 LAUREL ST, MELROSE, MA 02176-4038
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69983-269
Date	Sep 26, 2017
Book Page	69983/269
Instrument	155458

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	49 LAUREL ST, MELROSE, MA 02176-4038
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72139-485
Date	Jan 18, 2019
Book Page	72139/485
Instrument	7522

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 49 Laurel St was $10,301, up 12,163.1% 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	$10,301.00 (+12,163.1%)	$898,100 (+4.73%) Land $483,500 Building $414,600	$979,609 (+10.19%)
2025	$84.00 (-98.97%)	$857,500 (+4.74%) Land $455,900 Building $401,600	$889,010
2024	$8,130.00 (+0.1%)	$818,700 (+5.03%) Land $428,300 Building $390,400
2023	$8,122.00	$779,500 Land $414,500 Building $365,000

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

Flood

FEMA maps place 49 Laurel St in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1982.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	12 (1982–2006)
Most Recent Claim	May 2006 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 5 claims Extreme Weather Conditons And Flooding, Oct 1996 · 3 claims

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 49 Laurel 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	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 785 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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