5 Cliff St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 5 Cliff St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,785 sqft · built 1900
Lot Size	0.194 acres (8,451 sqft)
Owner	2 Company Names on Record
Last Sale	$1,260,000 (Jun 2017)
Tax Bill	$19,822 (2026)
Deeds & Mortgages	Mar 2023 Line of Credit Jul 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:004 B:0280 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:004 B:0280 L:0`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	2,785 sqft Living Area
Gross Area	4,514 sqft
Basement Area	1,126 sqft
Unfinished Basement	1,126 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2023
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,451 sqft (0.194 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5 CLIFF ST
City	WINCHESTER
State	MA
Zip	01890-2063
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDB
Legal Block	280
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	1
Census Block	1008
Census Tract	338500

Owner

Source: Middlesex County and Winchester Town 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 Company Names on Record
Mailing Address	5 CLIFF ST, WINCHESTER, MA 01890-2063
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2023	Deed of Trust, Mortgage · Line of Credit WINCHESTER SAVINGS BANK
Jul 25, 2018	Quit Claim Deed, Transfer Quitclaim
Jun 23, 2017	Quit Claim Deed, Transfer DAVID BEGIN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2017 · Amount on Record
Deed Sale	Jun 23, 2017 · Amount on Record
Prior Sale	Aug 8, 2007 · Amount on Record
Deed Book / Page	69490 / 403
Transfer Doc	71367-352
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	5 CLIFF ST, WINCHESTER, MA 01890-2063
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081366-418
Date	Mar 28, 2023
Book Page	81366/418
Instrument	30092

Lender

Name	WINCHESTER SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2043

Interest

Rate Type	Adjustable Rate

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Jul 25, 2018
Property Address	5 CLIFF ST, WINCHESTER, MA 01890-2063
Document Number	71367-352
Book / Page	071367 / 000352
Instrument Date	Jun 12, 2018
Instrument	111416
Transaction Type	Transfer
Record Updated	Aug 14, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	5 CLIFF ST WINCHESTER MA 018902063, WINCHESTER, MA 01890-2063

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Jun 23, 2017
Property Address	5 CLIFF ST, WINCHESTER, MA 01890-2063
Document Number	69490-403
Book / Page	069490 / 000403
Instrument Date	Jun 2, 2017
Instrument	96596
Transaction Type	Transfer
Record Updated	Jul 11, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,745.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5 CLIFF ST WINCHESTER MA 018902063, WINCHESTER, MA 01890-2063

Mortgage

Document Number	69490-407
Date	Jun 23, 2017
Book Page	069490/000407
Instrument	96597

Lender

Name	DAVID BEGIN

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 22, 2047

Tax Assessment & Valuation

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	$19,822.00 (+10,117.53%)	$1,789,000 (+2.11%) Land $893,600 Building $895,400	$1,946,510 (+11.63%)
2025	$194.00 (-98.79%)	$1,752,000 (+23.61%) Land $893,600 Building $858,400	$1,743,725
2024	$16,059.00 (+1.36%)	$1,417,400 (+5.56%) Land $829,800 Building $587,600
2023	$15,844.00	$1,342,700 Land $766,000 Building $576,700

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 · 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (2001–2012)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2012 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 99.3% of Massachusetts
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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