638 South St, Needham, MA 02492 Property Records

Norfolk County and Needham Town property record for 638 South St, Needham, MA 02492

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 1,675 sqft · built 1997
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$2,200,000 (Aug 2023)
Tax Bill	$24,363 (2025)
Deeds & Mortgages	Aug 2023 Sale Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:2030002800000`

Property Details

APN / Parcel Number

Primary APN	`M:2030002800000`
Alternative APN	`NEED M:203.0 B:0028 L:0000.0`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	1,675 sqft Living Area
Gross Area	3,444 sqft
1st Floor Area	1,675 sqft
Basement Area	283 sqft
Unfinished Basement	283 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	638 SOUTH ST
City	NEEDHAM
State	MA
Zip	02492-2724
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Block	28
Jurisdiction	NEEDHAM MA
Township / Civil Division	NEEDHAM
Census Block Group	3
Census Block	3000
Census Tract	403300

Owner

638 South St is owned and occupied by two individuals who bought it in August 2023.

Source: Norfolk County and Needham Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	638 SOUTH ST, NEEDHAM, MA 02492-2724
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 1, 2023	Quit Claim Deed, Transfer
Jun 17, 2020	Quit Claim Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2023 · Amount on File
Deed Sale	Aug 1, 2023 · Amount on File
Prior Sale	Jun 17, 2020 · Amount on File
Deed Document Number	20231524410
Prior Transfer Date	Jun 11, 2020
Prior Transfer Doc	0001448234
Record Updated	Oct 29, 2026

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEEDHAM MA
Recording Date	Aug 1, 2023
Property Address	638 SOUTH ST, NEEDHAM, MA 02492-2724
Document Number	0001524410
Instrument Date	Jul 21, 2023
Instrument	1524410
Transaction Type	Transfer
Record Updated	Aug 18, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	638 SOUTH ST, NEEDHAM, MA 02492-2724

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEEDHAM MA
Recording Date	Jun 17, 2020
Property Address	638 SOUTH ST, NEEDHAM, MA 02492-2724
Document Number	0001448234
Instrument Date	Jun 11, 2020
Instrument	1448234
Transaction Type	Transfer
Record Updated	Jun 25, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,599.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 SOUTH ST NEEDHAM MA 024922724, NEEDHAM, MA 02492-2724

Mortgage

Document Number	1448235
Date	Jun 17, 2020
Instrument	1448235

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 16, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.63%

Tax Assessment & Valuation

The 2025 property tax bill for 638 South St was $24,363.

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	$24,363.00	$2,298,400 Land $896,000 Building $1,402,400	$2,267,555 (+10.02%)
2024			$2,061,120
2023	$20,374.00	$1,562,400 Land $700,000 Building $862,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 638 South St in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1978.

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 File 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

Wildfire risk around 638 South 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	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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