631 South St, Needham, MA 02492 Property Records

Norfolk County and Needham Town property record for 631 South St, Needham, MA 02492

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,312 sqft · built 1950
Lot Size	0.996 acres (43,386 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,505,000 (Oct 2020)
Tax Bill	$19,964 (2025)
Deeds & Mortgages	Oct 2020 Sale Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:2030002600000`

Property Details

APN / Parcel Number

Primary APN	`M:2030002600000`
Alternative APN	`NEED M:203.0 B:0026 L:0000.0`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,312 sqft Living Area
Gross Area	3,434 sqft
1st Floor Area	2,045 sqft
Basement Area	684 sqft
Unfinished Basement	730 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2015
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,386 sqft (0.996 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	631 SOUTH ST
City	NEEDHAM
State	MA
Zip	02492-2727
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Block	26
Jurisdiction	NEEDHAM MA
Township / Civil Division	NEEDHAM
Census Block Group	3
Census Block	3003
Census Tract	403300

Owner

Source: Norfolk County and Needham Town records, as of July 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	649 SOUTH ST, NEEDHAM, MA 02492-2727
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Mar 30, 2017	Deed of Trust, Mortgage POLI MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2020 · Amount on Record
Deed Sale	Oct 6, 2020 · Amount on Record
Prior Sale	Aug 20, 1998 · Amount on Record
Record Updated	Sep 20, 2026

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEEDHAM MA
Recording Date	Oct 6, 2020
Property Address	631 SOUTH ST, NEEDHAM, MA 02492-2727
Document Number	0001457419
Instrument Date	Sep 28, 2020
Instrument	1457419
Transaction Type	Transfer
Record Updated	Oct 27, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$1,505.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 SOUTH ST NEEDHAM MA 024922727, NEEDHAM, MA 02492-2727

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	631 SOUTH ST, NEEDHAM, MA 02492-2727
Document Number	0001375787
Instrument Date	Mar 30, 2017
Transaction Type	Mortgage
Record Updated	Apr 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001375787
Date	Apr 5, 2017
Instrument	1375787

Lender

Name	POLI MTG
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 4, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.95%

Tax Assessment & Valuation

Source: Norfolk County and Needham Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Norfolk County
County Subdivision	Needham Town
Unified School District	Needham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$19,964.00 (-9.42%)	$1,883,400 (+11.43%) Land $895,700 Building $987,700	$1,942,275 (-8.46%)
2024			$2,121,730
2023	$22,040.00	$1,690,200 Land $699,700 Building $990,500

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 May 26, 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 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	19 (1978–2023)
Claims Outside the SFHA	19 of 19
Most Recent Claim	Aug 2023 · 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 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	NEEDHAM WATER DEPT serves 31,664 people · EPA ID MA3199000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jun 2024
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 178 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50

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

Cell Coverage

5G (outdoors only) and 4G LTE

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