8 Temple St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 8 Temple St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,203 sqft · built 1960
Lot Size	0.092 acres (3,999 sqft)
Owner	2 Individual Names on File
Last Sale	$570,000 (Feb 2019)
Tax Bill	$7,770 (2026)
Deeds & Mortgages	Jul 2020 Refinance Feb 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0E4 P:0000106`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0E4 P:0000106`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,203 sqft Living Area
Gross Area	1,687 sqft
Basement Area	208 sqft
Unfinished Basement	208 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,999 sqft (0.092 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Heating Fuel	Oil

Location & Zoning

Street Address	8 TEMPLE ST
City	MELROSE
State	MA
Zip	02176-5618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Subdivision	PLAN 113G
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	3
Census Block	3009
Census Tract	336300

Owner

8 Temple St is owned and occupied by two individuals who bought it in February 2019.

Source: Middlesex County and Melrose City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	8 TEMPLE ST, MELROSE, MA 02176-5618
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jul 8, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MOUNTAIN 1ST BANK & TRUST CO
Feb 20, 2019	Quit Claim Deed, Transfer · Conventional Mortgage QUAD CTY BK&TR
Oct 4, 2018	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2019 · Amount on File
Deed Sale	Feb 20, 2019 · Amount on File
Prior Sale	Oct 4, 2018 · Amount on File
Prior Transfer Date	Feb 15, 2019
Prior Transfer Doc	0001807684
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	8 TEMPLE ST, MELROSE, MA 02176-5618
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001846324
Date	Jul 8, 2020
Instrument	1846324

Lender

Name	MOUNTAIN 1ST BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2040

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Feb 20, 2019
Property Address	8 TEMPLE ST, MELROSE, MA 02176-5618
Document Number	0000007684
Instrument Date	Feb 15, 2019
Instrument	7684
Transaction Type	Transfer
Record Updated	Mar 12, 2019

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,599.20
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8 TEMPLE ST MELROSE MA 021765618, MELROSE, MA 02176-5618

Mortgage

Document Number	7685
Date	Feb 20, 2019
Instrument	7685

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 19, 2049

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Oct 4, 2018
Property Address	8 TEMPLE ST, MELROSE, MA 02176-5618
Document Number	0000098884
Instrument Date	Sep 26, 2018
Instrument	98884
Transaction Type	Transfer
Record Updated	Oct 23, 2018

Transaction

Amount	Amount on Record
Tax	$1,611.96
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 TEMPLE ST MELROSE MA 021765618, MELROSE, MA 02176-5618

Tax Assessment & Valuation

The 2026 property tax bill for 8 Temple St was $7,770, up 11,497% from the year before.

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	$7,770.00 (+11,497.01%)	$677,400 (-) Land $413,900 Building $263,500	$719,057 (+5.1%)
2025	$67.00 (-98.96%)	$677,400 (+4.1%) Land $413,900 Building $263,500	$684,190
2024	$6,461.00 (+4.24%)	$650,700 (+9.4%) Land $387,200 Building $263,500
2023	$6,198.00	$594,800 Land $360,500 Building $234,300

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

Flood

FEMA maps place 8 Temple St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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	2 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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 8 Temple 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	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 723 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 / 250
Netafy Fixed Wireless	520 / 116

May also be available: T-Mobile.

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