Middlesex County and Stoneham Town property record for 538 Main St, Stoneham, MA 02180
| Property Type | Triplex |
|---|---|
| Details | 5 bd · 3 ba · 3,064 sqft · built 1900 |
| Lot Size | 0.125 acres (5,441 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $670,000 (Dec 2017) |
| Tax Bill | $9,273 (2026) |
| Deeds & Mortgages | Mar 2022 Refinance Nov 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | STON M:19 B:000 L:292 |
| Primary APN | STON M:19 B:000 L:292 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 13 Rooms |
| Units | 3 Units |
| Stories | 2 Stories |
| Building Area | 3,064 sqft Living Area |
| Gross Area | 5,416 sqft |
| Basement Area | 1,208 sqft |
| Unfinished Basement | 1,208 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Triplex |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,441 sqft (0.125 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | 4067 |
|---|---|
| Street Address | 538 MAIN ST |
| City | STONEHAM |
| State | MA |
| Zip | 02180-2889 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Local Zoning Code | RB |
| Legal Lot Number | 292 |
| Jurisdiction | STONEHAM MA |
| Township / Civil Division | STONEHAM |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 337300 |
Source: Middlesex County and Stoneham 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 | 538 MAIN ST, STONEHAM, MA 02180-2889 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 9, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE BANK |
| Nov 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE |
| Feb 25, 2020 | Deed of Trust, Mortgage · FHA Mortgage GUARANTEED RATE |
| Dec 4, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 4, 2017 · Amount on Record |
| Deed Sale | Dec 4, 2017 · Amount on Record |
| Prior Sale | Oct 23, 1998 · Amount on Record |
| Transfer Doc | 0001776741 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STONEHAM MA |
| Property Address | 538 MAIN ST, STONEHAM, MA 02180-2889 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001908877 |
|---|---|
| Date | Mar 9, 2022 |
| Instrument | 1908877 |
| Name | HARBORONE BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Apr 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STONEHAM MA |
| Property Address | 538 MAIN ST, STONEHAM, MA 02180-2889 |
| Document Number | 0001861113 |
| Instrument Date | Nov 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 538 MAIN ST STONEHAM MA 021802889, STONEHAM, MA 02180-2889 |
| Document Number | 0001861113 |
|---|---|
| Date | Nov 18, 2020 |
| Instrument | 1861113 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 17, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STONEHAM MA |
| Property Address | 538 MAIN ST, STONEHAM, MA 02180-2889 |
| Document Number | 0001837484 |
| Instrument Date | Feb 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 538 MAIN ST STONEHAM MA 021802889, STONEHAM, MA 02180-2889 |
| Document Number | 0001837484 |
|---|---|
| Date | Mar 2, 2020 |
| Instrument | 1837484 |
| Name | GUARANTEED RATE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | STONEHAM MA |
| Recording Date | Dec 4, 2017 |
| Property Address | 538 MAIN ST, STONEHAM, MA 02180-2889 |
| Document Number | 0000076741 |
| Instrument Date | Nov 20, 2017 |
| Instrument | 76741 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,055.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 538 MAIN ST STONEHAM MA 021802880, STONEHAM, MA 02180-2880 |
| Document Number | 76742 |
|---|---|
| Date | Dec 4, 2017 |
| Instrument | 76742 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 3, 2047 |
Source: Middlesex County and Stoneham Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Stoneham Town |
| Unified School District | Stoneham School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $9,273.00 (+0.17%) | $921,800 (+1.87%) Land $354,400 Building $567,400 |
| 2025 | $9,257.00 (+11.38%) | $904,900 (+15.3%) Land $336,700 Building $568,200 |
| 2024 | $8,311.00 (+1.47%) | $784,800 (+6.36%) Land $310,100 Building $474,700 |
| 2023 | $8,191.00 | $737,900 Land $283,500 Building $454,400 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 Policies | 1 in force |
| Nearby Flood Claims | 1 (2010) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | STONEHAM WATER DEPT (MWRA SUPPLY) serves 23,244 people · EPA ID MA3284000 |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Nov 2024 |
| Lead | 1 ppb (2025) action level 15 ppb |
| Water Quality | E. coli not recorded as resolved · Sep 2018 |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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.
Source: FCC Broadband Data Collection, based on 422 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Astound Broadband Cable | 1,500 / 50 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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