63 Oak St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 63 Oak St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,491 sqft · built 1951
Lot Size	0.149 acres (6,504 sqft)
Owner	Individual Name on Record
Last Sale	$668,000 (Jan 2017)
Tax Bill	$10,161 (2026)
Deeds & Mortgages	Dec 2020 Refinance Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WINC M:010 B:0121 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:010 B:0121 L:0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,491 sqft Living Area
Gross Area	3,032 sqft
1st Floor Area	720 sqft
Basement Area	1,463 sqft
Unfinished Basement	366 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,504 sqft (0.149 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	63 OAK ST
City	WINCHESTER
State	MA
Zip	01890-2149
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG
Legal Block	121
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	2
Census Block	2021
Census Tract	338100

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	Individual Name on Record
Mailing Address	63 OAK ST, WINCHESTER, MA 01890-2149
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance POLI MORTGAGE GROUP INC
Jan 17, 2017	Quit Claim Deed, Transfer LEADER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2017 · Amount on Record
Deed Sale	Jan 17, 2017 · Amount on Record
Prior Sale	Jun 26, 2012
Deed Book / Page	68766 / 84
Transfer Doc	0068766-84
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	63 OAK ST, WINCHESTER, MA 01890-2149
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76575-51
Date	Dec 30, 2020
Book Page	76575/51
Instrument	251761

Lender

Name	POLI MORTGAGE GROUP INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Jan 17, 2017
Property Address	63 OAK ST, WINCHESTER, MA 01890-2149
Document Number	68766-84
Book / Page	68766 / 84
Instrument	8404
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$57.78
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	687660087
Date	Jan 17, 2017
Instrument	68766/0087

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 17, 2047

Interest

Rate	2.88%
Max Rate At Change	20.1%
Max Rate	2.75%

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	$10,161.00 (+10,595.79%)	$917,100 (+6.96%) Land $611,000 Building $306,100	$1,000,621 (-14.16%)
2025	$95.00 (-98.98%)	$857,400 (+3.91%) Land $580,500 Building $276,900	$1,165,650
2024	$9,348.00 (+4.03%)	$825,100 (+8.35%) Land $549,900 Building $275,200
2023	$8,986.00	$761,500 Land $504,100 Building $257,400

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
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	11 (1978–2023)
Claims Outside the SFHA	6 of 11
Most Recent Claim	Aug 2023 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims Severe Storms And Flooding, Mar 2001 · 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	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 618 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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