632 Main St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 632 Main St, Winchester, MA 01890

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	3 bd · 4.5 ba · 11,136 sqft · built 1935
Lot Size	0.265 acres (11,565 sqft)
Owner	Company Name on File
Last Sale	$1,600,000 (Nov 2014)
Tax Bill	$25,497 (2026)
Deeds & Mortgages	Apr 2021 Refinance Feb 2018 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`WINC M:009 B:0131 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:009 B:0131 L:0`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Units	2 Units
Stories	2 Stories
Building Area	11,136 sqft Total Area
1st Floor Area	1,020 sqft
Basement Area	1,572 sqft
Unfinished Basement	1,296 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Cape Cod
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,565 sqft (0.265 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	632 MAIN ST
City	WINCHESTER
State	MA
Zip	01890-1903
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Block	131
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	2
Census Block	2005
Census Tract	338300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Winchester Center Historic District listed 1986 · 59 contributing resources · NRIS 86002943

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

632 Main St, a commercial property, is owned by a company that bought it in November 2014.

Source: Middlesex County and Winchester Town records, as of October 20, 2026

Owner of Record	Company Name on File
Mailing Address	3 TAFT CIR, WINCHESTER, MA 01890-3721
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE CENTS SAVINGS BANK
Feb 15, 2018	Deed of Trust, Mortgage NORTHERN BK & TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2014 · Amount on File
Deed Sale	Nov 20, 2014 · Amount on File
Prior Sale	Dec 1, 1994 · Amount on File
Deed Book / Page	64540 / 255
Transfer Doc	064540-255
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	632 MAIN ST, WINCHESTER, MA 01890-1903
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077538-259
Date	Apr 16, 2021
Book Page	77538/259
Instrument	86842

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	632 MAIN ST, WINCHESTER, MA 01890-1903
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70632-408
Date	Feb 15, 2018
Book Page	70632/408
Instrument	22007

Lender

Name	NORTHERN BK & TR

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 632 Main St was $25,497, up 4.4% from the year before.

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
2026	$25,497.00 (+4.41%)	$2,414,500 (+4.8%) Land $997,400 Building $1,417,100
2025	$24,421.00 (+5.22%)	$2,303,900 (+7.3%) Land $951,500 Building $1,352,400
2024	$23,210.00 (+4.31%)	$2,147,100 (+8.46%) Land $881,100 Building $1,266,000
2023	$22,252.00	$1,979,700 Land $800,000 Building $1,179,700

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 632 Main St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 19 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	66 units insured incl. 47 condo units
Nearby Flood Claims	11 (1978–2010)
Claims Outside the SFHA	6 of 11
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 claims Severe Storms And Flooding, May 2006 · 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

Wildfire risk around 632 Main St is low, with a 0.01% annual chance of 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 258 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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