5 Cutting St, Winchester, MA 01890 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,271 sqft · built 1900
Lot Size	0.117 acres (5,092 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,100,000 (Sep 2025)
Tax Bill	$12,099 (2026)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Jul 2020 Sale
Flood Zone	Zone AE (high risk)
APN	`WINC M:008 B:0140 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:008 B:0140 L:0`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,271 sqft Living Area
Gross Area	2,328 sqft
Basement Area	756 sqft
Unfinished Basement	756 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,092 sqft (0.117 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	5 CUTTING ST
City	WINCHESTER
State	MA
Zip	01890-2907
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDB
Legal Block	140
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	3
Census Block	3004
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 Individual Names on Record
Mailing Address	5 CUTTING ST, WINCHESTER, MA 01890-2907
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2025	Quit Claim Deed, Transfer · Conventional Mortgage CAMBRIDGE SAVINGS BANK
Jul 17, 2020	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2025 · Amount on Record
Deed Sale	Sep 12, 2025 · Amount on Record
Prior Sale	Jul 17, 2020 · Amount on Record
Deed Document Number	2025110000
Deed Book / Page	84603 / 249
Record Updated	Oct 29, 2026

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Sep 12, 2025
Property Address	5 CUTTING ST, WINCHESTER, MA 01890-2907
Document Number	084603-249
Book / Page	84603 / 249
Instrument Date	Sep 12, 2025
Instrument	110000
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount Recorded
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	5 CUTTING ST, WINCHESTER, MA 01890-2907

Mortgage

Document Number	0000110001
Date	Sep 12, 2025
Instrument	110001

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Type Change Date	Oct 1, 2032
Index	Other

Mortgage

Document Number	084604-299
Date	Sep 12, 2025
Book Page	84604/299
Instrument	110167

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Jul 17, 2020
Property Address	5 CUTTING ST, WINCHESTER, MA 01890-2907
Document Number	0075152-89
Book / Page	75152 / 89
Instrument Date	Jul 15, 2020
Instrument	116975
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	5 CUTTING ST, WINCHESTER, MA 01890-2907

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	$12,099.00 (+0.88%)	$1,092,000 (+0.98%) Land $827,800 Building $264,200	$1,113,916 (+14.41%)
2025	$11,993.00 (+5.61%)	$1,081,400 (+7.89%) Land $827,800 Building $253,600	$973,655
2024	$11,356.00	$1,002,300 Land $768,600 Building $233,700

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	4 (2001–2010)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 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

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	None beyond 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	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 404 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

May also be available: AT&T, T-Mobile.

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