Norfolk County and Needham Town property record for 77 Putnam St, Needham Heights, MA 02494
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2.5 ba · 1,021 sqft · built 1996 |
| Lot Size | 0.232 acres (10,107 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $751,000 (Nov 2018) |
| Tax Bill | $11,177 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Jun 2025 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:0770000200770 |
| Primary APN | M:0770000200770 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,021 sqft Living Area |
| Gross Area | 2,312 sqft |
| 1st Floor Area | 1,880 sqft |
| Basement Area | 1,021 sqft |
| Unfinished Basement | 1,021 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Lot Area | 10,107 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 77 PUTNAM ST |
|---|---|
| City | NEEDHAM HEIGHTS |
| State | MA |
| Zip | 02494-2223 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | GR |
| Legal Subdivision | GATEWAY TWNHSES CONDO |
| Legal Block | 2 |
| Legal Lot Number | 77.0 |
| Jurisdiction | NEEDHAM MA |
| Township / Civil Division | NEEDHAM |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 403501 |
Source: Norfolk County and Needham Town records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 77 PUTNAM ST, NEEDHAM HEIGHTS, MA 02494-2223 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 5, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jun 30, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Feb 23, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP. |
| Nov 8, 2018 | Deed, Transfer LEADER BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 8, 2018 · Amount on Record |
| Deed Sale | Nov 8, 2018 · Amount on Record |
| Prior Sale | Dec 4, 1996 · Amount on Record |
| Deed Document Number | 2018100441 |
| Deed Book / Page | 36422 / 143 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Recording Date | Jun 5, 2026 |
| Property Address | 77 PUTNAM ST, NEEDHAM HEIGHTS, MA 02494-2223 |
| Document Number | 0000037728 |
| Book / Page | 43150 / 418 |
| Instrument Date | May 21, 2026 |
| Instrument | 202637728 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 77 PUTNAM ST, NEEDHAM HEIGHTS, MA 02494-2223 |
| Investor | Possibly a Property Investor |
| Document Number | 043150-418, |
|---|---|
| Date | Jun 5, 2026 |
| Book Page | 43150/418 |
| Instrument | 202637728 |
| Name | CITIZENS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jul 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 77 PUTNAM ST, NEEDHAM, MA 02494-2223 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 042497-136 |
|---|---|
| Date | Jun 30, 2025 |
| Book Page | 42497/136 |
| Instrument | 43367 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jul 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 77 PUTNAM ST, NEEDHAM, MA 02494-2223 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 39038-224 |
|---|---|
| Date | Feb 23, 2021 |
| Book Page | 39038/224 |
| Instrument | 22996 |
| Name | DRAPER AND KRAMER MORTGAGE CORP. |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Mar 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Recording Date | Nov 8, 2018 |
| Property Address | 77 PUTNAM ST, NEEDHAM, MA 02494-2223 |
| Document Number | 36422-143 |
| Book / Page | 36422 / 143 |
| Instrument | 100441 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $70.15 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 364220146 |
|---|---|
| Date | Nov 8, 2018 |
| Instrument | 36422/0146 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 8, 2048 |
Source: Norfolk County and Needham Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Norfolk County |
| County Subdivision | Needham Town |
| Unified School District | Needham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,177.00 (+22.74%) | $1,054,400 (+51%) Building $1,054,400 | $1,019,920 (-0.53%) |
| 2024 | $1,025,335 | ||
| 2023 | $9,106.00 | $698,300 Building $698,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 96% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 406 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 · Fiber in parts of the area | 1,500 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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