72 Oak St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 72 Oak St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,569 sqft · built 2012
Lot Size	0.162 acres (7,048 sqft)
Owner	2 Trust Names on File
Last Sale	$962,229 (Jun 2013)
Tax Bill	$18,119 (2026)
Deeds & Mortgages	Mar 2021 Refinance Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WINC M:010 B:0100 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:010 B:0100 L:0`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,569 sqft Living Area
Gross Area	6,599 sqft
Basement Area	1,236 sqft
Unfinished Basement	1,236 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,048 sqft (0.162 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	72 OAK ST
City	WINCHESTER
State	MA
Zip	01890-2152
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG
Legal Block	100
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	4
Census Block	4005
Census Tract	338500

Owner

72 Oak St is owner-occupied and held in a trust since June 2013.

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

Owner of Record	2 Trust Names on File
Mailing Address	72 OAK ST, WINCHESTER, MA 01890-2152
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Mar 10, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Aug 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2013 · Amount on File
Deed Sale	Jun 13, 2013 · Amount on File
Prior Sale	Apr 13, 2012 · Amount on File
Deed Book / Page	62008 / 315
Transfer Doc	66987-413
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	72 OAK ST, WINCHESTER, MA 01890-2152
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077191-445
Date	Mar 10, 2021
Book Page	77191/445
Instrument	53815

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	72 OAK ST, WINCHESTER, MA 01890-2152
Document Number	75343-336
Instrument Date	Aug 6, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	72 OAK ST WINCHESTER MA 018902152, WINCHESTER, MA 01890-2152

Mortgage

Document Number	75343-336
Date	Aug 11, 2020
Book Page	075343/000336
Instrument	135372

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 10, 2030

Tax Assessment & Valuation

The 2026 property tax bill for 72 Oak St was $18,119, up 10,313.2% 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	Assessed Market Value
2026	$18,119.00 (+10,313.22%)	$1,635,300 (+3.82%) Land $618,700 Building $1,016,600	$1,799,272 (+6.42%)
2025	$174.00 (-98.96%)	$1,575,100 (+6.98%) Land $587,800 Building $987,300	$1,690,715
2024	$16,682.00	$1,472,400 Land $556,800 Building $915,600

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

Flood

FEMA maps place 72 Oak St in Zone X, an area of minimal flood risk, within 500 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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	11 (1979–2010)
Claims Outside the SFHA	9 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 · 4 claims Heavy Rains And Flooding, Jun 1998 · 2 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 72 Oak 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.

Nearby Properties on Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures