54 Centre St, Winthrop, MA 02152 Property Records

Suffolk County and Winthrop Town City property record for 54 Centre St, Winthrop, MA 02152

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,906 sqft · built 1900
Lot Size	0.126 acres (5,493 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Jun 2003)
Tax Bill	$8,783 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Apr 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINT M:049 L:033`

Property Details

APN / Parcel Number

Primary APN	`WINT M:049 L:033`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	3 Stories
Building Area	2,906 sqft Living Area
Gross Area	4,541 sqft
Basement Area	894 sqft
Unfinished Basement	894 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,493 sqft (0.126 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	54 CENTRE ST
City	WINTHROP
State	MA
Zip	02152-3021
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Lot Number	33
Jurisdiction	WINTHROP MA
Township / Civil Division	WINTHROP TOWN
Census Block Group	1
Census Block	1017
Census Tract	180200

Owner

Source: Suffolk County and Winthrop Town City 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	54 CENTRE ST, WINTHROP, MA 02152-3021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Apr 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP
Mar 31, 2017	Deed of Trust, Mortgage · Line of Credit WEBSTER FIRST FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2003 · Amount on Record
Deed Sale	Jun 19, 2003 · Amount on Record
Prior Sale	Jul 28, 2000 · Amount on Record
Deed Book / Page	31778 / 65
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	54 CENTRE ST, WINTHROP, MA 02152-3021
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072254-133
Date	Dec 23, 2025
Book Page	72254/133
Instrument	82473

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	277 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	54 CENTRE ST, WINTHROP, MA 02152-3021
Transaction Type	Mortgage
Record Updated	May 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	65298-139
Date	Apr 23, 2021
Book Page	65298/139
Instrument	44411

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	265 Months
Due	May 1, 2043

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	54 CENTRE ST, WINTHROP, MA 02152-3021
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57750-124
Date	Mar 31, 2017
Book Page	57750/124
Instrument	27843

Lender

Name	WEBSTER FIRST FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Suffolk County and Winthrop Town City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Suffolk County
Municipality	Winthrop Town City
Unified School District	Winthrop School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,783.00 (+13.08%)	$788,400 (+4.76%) Land $356,700 Building $431,700	$910,788
2025	$7,767.00 (+8.87%)	$752,600 (+9.93%) Land $339,700 Building $412,900
2024	$7,134.00 (+0.01%)	$684,600 (+2.7%) Land $326,500 Building $358,100
2023	$7,133.00	$666,600 Land $298,800 Building $367,800

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 January 21, 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
Flood Insurance Cost	Premium on Record median of 39 individual policies
Nearby Flood Policies	43 units insured incl. 4 condo units
Nearby Flood Claims	50 (1978–2024)
Claims Outside the SFHA	10 of 50
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims Coastal Storm, Oct 1991 · 2 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 2 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	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	WINTHROP WATER DIVISION, (MWRA) serves 19,316 people · EPA ID MA3346000
Water Source	Purchased surface water from MWRA
Last State Inspection	Dec 2023
Lead	8 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 759 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Netafy, T-Mobile.

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