654 Main St, Malden, MA 02148 Property Records

Middlesex County and Malden City property record for 654 Main St, Malden, MA 02148

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,618 sqft · built 1910
Lot Size	0.098 acres (4,256 sqft)
Owner	2 Individual Names on Record
Last Sale	$850,000 (Nov 2022)
Tax Bill	$8,230 (2026)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Jul 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`MALD M:048 B:864 L:435`

Property Details

APN / Parcel Number

Primary APN	`MALD M:048 B:864 L:435`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,618 sqft Living Area
Gross Area	4,634 sqft
Basement Area	1,125 sqft
Unfinished Basement	1,125 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,256 sqft (0.098 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	654 MAIN ST
City	MALDEN
State	MA
Zip	02148-3706
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESA
Legal Block	864
Legal Lot Number	435
Jurisdiction	MALDEN MA
Township / Civil Division	MALDEN
Census Block Group	1
Census Block	1005
Census Tract	341302

Owner

Source: Middlesex County and Malden City records, as of October 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	654 MAIN ST, MALDEN, MA 02148-3706
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage WINCHESTER SAVINGS BANK
Jul 6, 2018	Deed of Trust, Mortgage · Line of Credit EASTERN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2022 · Amount on Record
Deed Sale	Nov 23, 2022 · Amount on Record
Prior Sale	May 24, 2013 · Amount on Record
Deed Book / Page	80986 / 376
Record Updated	Oct 29, 2026

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MALDEN MA
Recording Date	Nov 23, 2022
Property Address	654 MAIN ST, MALDEN, MA 02148-3706
Document Number	080986-376
Book / Page	80986 / 376
Instrument Date	Nov 23, 2022
Instrument	173078
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	Joint Tenants with Right of Survivorship
Address	654 MAIN ST, MALDEN, MA 02148-3706

Mortgage

Document Number	0000173079
Date	Nov 23, 2022
Instrument	173079

Lender

Name	WINCHESTER SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MALDEN MA
Property Address	654 MAIN ST, MALDEN, MA 02148-3706
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	71274-347
Date	Jul 6, 2018
Book Page	71274/347
Instrument	99668

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Middlesex County and Malden City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Malden City
Unified School District	Malden School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,230.00 (+4.61%)	$721,900 (+3.87%) Land $279,600 Building $442,300	$866,115 (-1.77%)
2025	$7,867.00 (+7.02%)	$695,000 (+10.53%) Land $271,600 Building $423,400	$881,695
2024	$7,351.00 (+1%)	$628,800 (+14.7%) Land $255,700 Building $373,100
2023	$6,683.00	$548,200 Land $231,700 Building $316,500

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 September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	MALDEN WATER DIVISION (MWRA) serves 66,263 people · EPA ID MA3165000
Water Source	Purchased surface water from MWRA
Last State Inspection	Apr 2024
Lead	10 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	No certified operator Mar 2016
Monitoring and Reporting	3 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 745 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Netafy Fixed Wireless	150 / 150
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, AT&T, Starry.

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