644 Central Ave, Needham Heights, MA 02494 Property Records

Norfolk County and Needham Town property record for 644 Central Ave, Needham Heights, MA 02494

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,033 sqft · built 2004
Lot Size	0.372 acres (16,226 sqft)
Owner	2 Individual Names on File
Last Sale	$529,000 (Oct 2004)
Tax Bill	$8,041 (2025)
Deeds & Mortgages	Apr 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`M:1040002106440`

Property Details

APN / Parcel Number

Primary APN	`M:1040002106440`
Alternative APN	`NEED M:104.0 B:0021 L:0644.0`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,033 sqft Living Area
Gross Area	1,865 sqft
1st Floor Area	1,865 sqft
Basement Area	832 sqft
Unfinished Basement	832 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Condo/Apartment
Exterior Material	Wood Siding
Lot Area	16,226 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water

Location & Zoning

Street Address	644 CENTRAL AVE
City	NEEDHAM HEIGHTS
State	MA
Zip	02494-1407
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Block	21
Legal Lot Number	644.0
Jurisdiction	NEEDHAM MA
Township / Civil Division	NEEDHAM
Census Block Group	2
Census Block	2023
Census Tract	403502

Owner

Source: Norfolk County and Needham Town records · APN M:1040002106440

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	644 CENTRAL AVE, NEEDHAM HEIGHTS, MA 02494-1407
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 29, 2004 · Amount on Record
Deed Sale	Oct 29, 2004 · Amount on Record
Prior Sale	Jun 18, 2002 · Amount on Record
Deed Document Number	200414100
Deed Book / Page	21713 / 508
Transfer Doc	24234-470
Record Updated	Sep 20, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	644 CENTRAL AVE, NEEDHAM, MA 02494-1407
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35926-321
Date	Apr 20, 2018
Book Page	35926/321
Instrument	30498

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2048

Tax Assessment & Valuation

Source: Norfolk County and Needham Town records · Assessment roll updated April 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,041.00 (-2%)	$758,600 (+20.57%) Building $758,600	$1,090,315 (-4.13%)
2024			$1,137,340
2023	$8,205.00	$629,200 Building $629,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 26, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
Radiate Holdings Cable	1,500 / 50
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 363 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NEEDHAM WATER DEPT serves 31,664 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.