75 School St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 75 School St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,740 sqft · built 1865
Lot Size	0.171 acres (7,462 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,400,000 (Jun 2026)
Tax Bill	$9,745 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Feb 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0F9 P:0000019`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0F9 P:0000019`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,740 sqft Living Area
Gross Area	2,792 sqft
Basement Area	1,032 sqft
Unfinished Basement	1,032 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1865
Effective Year Built	Effective 1865
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,462 sqft (0.171 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	75 SCHOOL ST
City	MELROSE
State	MA
Zip	02176-3320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URA
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	1
Census Block	1009
Census Tract	336202

Owner

Source: Middlesex County and Melrose 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	75 SCHOOL ST, MELROSE, MA 02176-3320
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Quit Claim Deed, Transfer · Conventional Mortgage
Feb 23, 2023	Deed of Trust, Mortgage · Line of Credit HANSCOM FCU
Dec 7, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC
Jul 15, 2022	Fiduciary Deed, Transfer
Nov 13, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2026 · Amount on Record
Deed Sale	Jun 24, 2026 · Amount on Record
Prior Sale	Dec 7, 2022 · Amount on Record
Deed Document Number	202676123
Deed Book / Page	85780 / 251
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Jun 24, 2026
Property Address	75 SCHOOL ST, MELROSE, MA 02176-3320
Document Number	0000076123
Book / Page	85780 / 251
Instrument Date	Jun 22, 2026
Instrument	202676123
Transaction Type	Transfer
Record Updated	Jul 15, 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	Tenants by the Entirety
Address	75 SCHOOL ST, MELROSE, MA 02176-3320

Mortgage

Date	Jun 24, 2026

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.36%
Max Rate	-1%

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	75 SCHOOL ST, MELROSE, MA 02176-3320
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	081270-337
Date	Feb 23, 2023
Book Page	81270/337
Instrument	18460

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Dec 7, 2022
Property Address	75 SCHOOL ST, MELROSE, MA 02176-3320
Document Number	081032-391
Book / Page	81032 / 391
Instrument Date	Dec 7, 2022
Instrument	178605
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Address	75 SCHOOL ST, MELROSE, MA 02176-3320
Investor	Possibly a Property Investor

Mortgage

Document Number	0000178606
Date	Dec 7, 2022
Instrument	178606

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2022: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	MELROSE MA
Recording Date	Jul 15, 2022
Property Address	75 SCHOOL ST, MELROSE, MA 02176-3320
Document Number	080434-367
Book / Page	80434 / 367
Instrument Date	Jul 12, 2022
Instrument	107818
Transaction Type	Transfer
Record Updated	Jul 29, 2022

Transaction

Amount	Amount Recorded
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
Address	4 CUNNINGHAM WAY, MELROSE, MA 02176-2513

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Nov 13, 2020
Property Address	75 SCHOOL ST, MELROSE, MA 02176-3320
Document Number	76157-348
Book / Page	076157 / 000348
Instrument Date	Oct 23, 2020
Instrument	212454
Transaction Type	Transfer
Record Updated	Dec 1, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	SCHOOL ST MELROSE MA 02176, MELROSE, MA 02176

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,745.00 (+11,640.96%)	$849,600 (+1.12%) Land $513,200 Building $336,400	$1,270,445 (+9.12%)
2025	$83.00 (-99.01%)	$840,200 (-) Land $513,200 Building $327,000	$1,164,225
2024	$8,343.00 (+6.01%)	$840,200 (+11.24%) Land $513,200 Building $327,000
2023	$7,870.00	$755,300 Land $457,700 Building $297,600

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 · 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
Nearby Flood Policies	1 in force

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

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	MELROSE WATER DIVISION (MWRA) serves 29,938 people · EPA ID MA3178000
Water Source	Purchased surface water from MWRA
Last State Inspection	Oct 2025
Lead	10 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement currently in violation since Nov 2021
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 785 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	2,000 / 2,000
Netafy Fixed Wireless	476 / 106
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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