78 Centre St, Winthrop, MA 02152 Property Records

Suffolk County and Winthrop Town City property record for 78 Centre St, Winthrop, MA 02152

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,531 sqft · built 1900
Lot Size	0.108 acres (4,724 sqft)
Owner	2 Individual Names on File
Last Sale	$415,000 (Apr 2007)
Tax Bill	$8,021 (2026)
Deeds & Mortgages	May 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`WINT M:049 L:037`

Property Details

APN / Parcel Number

Primary APN	`WINT M:049 L:037`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,531 sqft Living Area
Gross Area	4,355 sqft
Basement Area	1,244 sqft
Unfinished Basement	1,244 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,724 sqft (0.108 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	78 CENTRE ST
City	WINTHROP
State	MA
Zip	02152-3021
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Lot Number	37
Jurisdiction	WINTHROP MA
Township / Civil Division	WINTHROP TOWN
Census Block Group	1
Census Block	1017
Census Tract	180200

Owner

78 Centre St, a duplex, is owned and occupied by two individuals who bought it in April 2007.

Source: Suffolk County and Winthrop Town City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	78 CENTRE ST, WINTHROP, MA 02152-3021
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2007 · Amount on File
Deed Sale	Apr 30, 2007 · Amount on File
Prior Sale	Mar 9, 1999 · Amount on File
Deed Document Number	200748167
Deed Book / Page	41704 / 39
Transfer Doc	2272000074
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Recording Date	May 29, 2026
Property Address	78 CENTRE ST, WINTHROP, MA 02152-3021
Document Number	072824-231
Book / Page	72824 / 231
Instrument Date	May 20, 2026
Instrument	202632995
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 CENTRE ST, WINTHROP, MA 02152-3021

Mortgage

Document Number	0000032995,
Date	May 29, 2026
Book Page	72824/231
Instrument	202632995

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.23%
Initial Type	Adjustable Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 78 Centre St was $8,021, up 13.1% from the year before.

Source: Suffolk County and Winthrop Town City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Suffolk County
Municipality	Winthrop Town City
Unified School District	Winthrop School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,021.00 (+13.13%)	$720,000 (+4.8%) Land $351,300 Building $368,700	$827,308
2025	$7,090.00 (+6.94%)	$687,000 (+7.97%) Land $334,500 Building $352,500
2024	$6,630.00 (-3.69%)	$636,300 (-1.1%) Land $321,500 Building $314,800
2023	$6,884.00	$643,400 Land $294,300 Building $349,100

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

Flood

FEMA maps place 78 Centre St in Zone X, an area of minimal flood risk, though there have been 50 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective January 21, 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
Flood Insurance Cost	Premium on File median of 39 individual policies
Nearby Flood Policies	43 units insured incl. 4 condo units
Nearby Flood Claims	50 (1978–2024)
Claims Outside the SFHA	10 of 50
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims Coastal Storm, Oct 1991 · 2 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 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

The area around 78 Centre St has no burnable land within ember reach, so its wildfire risk is not rated.

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	WINTHROP WATER DIVISION, (MWRA) serves 19,316 people · EPA ID MA3346000
Water Source	Purchased surface water from MWRA
Last State Inspection	Dec 2023
Lead	8 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 759 locations within half a mile, as of December 31, 2025

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

May also be available: Netafy, T-Mobile.

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