79 Oak St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 79 Oak St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,965 sqft · built 1879
Lot Size	0.217 acres (9,439 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,262,500 (Jul 2024)
Tax Bill	$11,684 (2026)
Deeds & Mortgages	May 2026 Mortgage Mar 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:010 B:0118 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:010 B:0118 L:0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,965 sqft Living Area
Gross Area	3,278 sqft
1st Floor Area	720 sqft
Basement Area	907 sqft
Unfinished Basement	453 sqft

Exterior

Year Built	Built 1879
Effective Year Built	Effective 1879
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,439 sqft (0.217 acres)
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	79 OAK ST
City	WINCHESTER
State	MA
Zip	01890-2150
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG
Legal Block	118
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	2
Census Block	2020
Census Tract	338100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	69 ELEANOR ST, CHELSEA, MA 02150-2142
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage LEADER BANK NA
Mar 10, 2023	Deed of Trust, Mortgage · Line of Credit HANSCOM FCU
Oct 13, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Jun 19, 2018	Quit Claim Deed, Transfer FIRST CHOICE LOAN SVC
Mar 14, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2024 · Amount on Record
Deed Sale	Jul 24, 2024 · Amount on Record
Prior Sale	Jun 19, 2018 · Amount on Record
Deed Document Number	202481488
Deed Book / Page	83042 / 425
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Recording Date	May 26, 2026
Property Address	79 OAK ST, WINCHESTER, MA 01890-2150
Document Number	085640-440
Book / Page	85640 / 440
Instrument Date	May 19, 2026
Instrument	202660238
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	79 OAK ST, WINCHESTER, MA 01890-2150

Mortgage

Document Number	0000060238,
Date	May 26, 2026
Book Page	85640/440
Instrument	202660238

Lender

Name	LEADER BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.49%
Initial Type	Adjustable Rate
Type Change Date	Jun 1, 2031
Index	1-Year CMT
Margin	3
Max Rate	-1%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	79 OAK ST, WINCHESTER, MA 01890-2150
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0081316-87
Date	Mar 10, 2023
Book Page	81316/87
Instrument	23925

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	79 OAK ST, WINCHESTER, MA 01890-2150
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75868-512
Date	Oct 13, 2020
Book Page	75868/512
Instrument	185136

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2035

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Jun 19, 2018
Property Address	79 OAK ST, WINCHESTER, MA 01890-2150
Document Number	71179-147
Book / Page	71179 / 147
Instrument	88423
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$77.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	79 OAK ST, WINCHESTER, MA 01890-2150

Mortgage

Document Number	711790150
Date	Jun 19, 2018
Instrument	71179/0150

Lender

Name	FIRST CHOICE LOAN SVC

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 19, 2048

Interest

Rate	3.38%
Max Rate At Change	70.1%
Max Rate	3%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	79 OAK ST, WINCHESTER, MA 01890-2150
Document Number	70814-267
Instrument Date	Mar 14, 2018
Transaction Type	Mortgage
Record Updated	Apr 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70814-267
Date	Apr 2, 2018
Book Page	070814/000267
Instrument	43896

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$11,684.00 (+10,426.13%)	$1,054,500 (+4.56%) Land $619,500 Building $435,000	$1,225,732 (+4.63%)
2025	$111.00 (-98.97%)	$1,008,500 (+5.78%) Land $588,500 Building $420,000	$1,171,540
2024	$10,802.00 (+1.65%)	$953,400 (+5.86%) Land $557,600 Building $395,800
2023	$10,627.00	$900,600 Land $511,100 Building $389,500

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 · 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 Record median of 16 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	11 (1978–2023)
Claims Outside the SFHA	6 of 11
Most Recent Claim	Aug 2023 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims Severe Storms And Flooding, Mar 2001 · 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

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 618 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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