495 Common St, Dedham, MA 02026 Property Records

Norfolk County and Dedham Town property record for 495 Common St, Dedham, MA 02026 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,616 sqft · built 1994
Lot Size	0.948 acres (41,307 sqft)
Owner	2 Individual Names on File
Last Sale	$1,592,500 (Nov 2024)
Tax Bill	$16,209 (2025)
Deeds & Mortgages	Apr 2026 Mortgage May 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`DEDH M:0034 L:0011`

Property Details

APN / Parcel Number

Primary APN	`DEDH M:0034 L:0011`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,616 sqft Living Area
Gross Area	6,692 sqft
1st Floor Area	2,020 sqft
Basement Area	2,020 sqft
Unfinished Basement	1,144 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	41,307 sqft (0.948 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	495 COMMON ST
City	DEDHAM
State	MA
Zip	02026-4016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	11
Jurisdiction	DEDHAM MA
Township / Civil Division	DEDHAM
Census Block Group	3
Census Block	3001
Census Tract	402500

Owner

Source: Norfolk County and Dedham Town records · APN DEDH M:0034 L:0011

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	495 COMMON ST, DEDHAM, MA 02026-4016
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2026	Deed of Trust, Mortgage UNITED NATIONS FEDERAL CREDIT UNION
May 03, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Nov 08, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED NATIONS FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 08, 2024 · Amount on Record
Deed Sale	Nov 08, 2024 · Amount on Record
Prior Sale	Jun 20, 2014 · Amount on Record
Deed Document Number	202474596
Deed Book / Page	42098 / 344
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEDHAM MA
Recording Date	Apr 10, 2026
Property Address	495 COMMON ST, DEDHAM, MA 02026-4016
Document Number	043037-394
Book / Page	43037 / 394
Instrument Date	Apr 06, 2026
Instrument	202622482
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022482,
Date	Apr 10, 2026
Book Page	43037/394
Instrument	202622482

Lender

Name	UNITED NATIONS FEDERAL CREDIT UNION

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Initial Type	Adjustable Rate
Type Change Date	May 01, 2033
Margin	3
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEDHAM MA
Property Address	495 COMMON ST, DEDHAM, MA 02026-4016
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039345-525
Date	May 03, 2021
Book Page	39345/525
Instrument	57551

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jun 01, 2046

Interest

Rate Type	Adjustable Rate

November 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DEDHAM MA
Recording Date	Nov 08, 2024
Property Address	495 COMMON ST, DEDHAM, MA 02026-4016
Document Number	042098-344
Book / Page	42098 / 344
Instrument Date	Nov 08, 2024
Instrument	74596
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Relationship	Tenants by the Entirety
Address	495 COMMON ST, DEDHAM, MA 02026-4016

Mortgage

Document Number	0000074597
Date	Nov 08, 2024
Instrument	74597

Lender

Name	UNITED NATIONS FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Type Change Date	Dec 01, 2030
Max Rate At Change	2.75%
Index	1-Year CMT

Tax Assessment & Valuation

Source: Norfolk County and Dedham Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Norfolk County
County Subdivision	Dedham Town
Unified School District	Dedham School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$16,209.00 (-15.21%)	$1,284,400 (-16.01%) Land $413,100 Building $871,300	$1,509,075 (+2.64%)
2024	$19,116.00 (+20.59%)	$1,529,300 (+23.87%) Land $397,100 Building $1,132,200	$1,470,220
2023	$15,852.00	$1,234,600 Land $349,100 Building $885,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Norfolk County (25021C), updated May 26, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250214025003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	6 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 6 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
Verizon	Fiber	980 / 880

May also be available at this address: Radiate Holdings. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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