81 Mount Vernon St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 81 Mount Vernon St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,254 sqft · built 1898
Lot Size	0.169 acres (7,370 sqft)
Owner	2 Individual Names on File
Last Sale	$1,250,000 (Jul 2022)
Tax Bill	$14,332 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0C5 P:0000108`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0C5 P:0000108`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,254 sqft Living Area
Gross Area	4,904 sqft
Basement Area	1,228 sqft
Unfinished Basement	1,228 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1898
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	7,370 sqft (0.169 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	81 MOUNT VERNON ST
City	MELROSE
State	MA
Zip	02176-5322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URA
Legal Subdivision	MELROSE
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	2
Census Block	2001
Census Tract	336404

Owner

81 Mount Vernon St is owned and occupied by two individuals who bought it in July 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	81 MOUNT VERNON ST, MELROSE, MA 02176-5322
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
Sep 10, 2026	Deed of Trust, Mortgage · Line of Credit MASS BAY CREDIT UNION
Jul 19, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC
Feb 15, 2022	Deed of Trust, Mortgage · Line of Credit HANSCOM FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2022 · Amount on File
Deed Sale	Jul 19, 2022 · Amount on File
Prior Sale	Feb 15, 2001 · Amount on File
Deed Document Number	2022109525
Deed Book / Page	80450 / 60
Prior Transfer Date	Jul 18, 2022
Prior Transfer Doc	0080450-60
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Recording Date	Sep 10, 2026
Property Address	81 MOUNT VERNON ST, MELROSE, MA 02176-5322
Document Number	0000115269
Book / Page	86124 / 205
Instrument Date	Sep 4, 2026
Instrument	2026115269
Transaction Type	Mortgage
Record Updated	Sep 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 MOUNT VERNON ST, MELROSE, MA 02176-5322

Mortgage

Document Number	0000115269,
Date	Sep 10, 2026
Book Page	86124/205
Instrument	2026115269

Lender

Name	MASS BAY CREDIT UNION

Agreement

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

Interest

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

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Jul 19, 2022
Property Address	81 MOUNT VERNON ST, MELROSE, MA 02176-5322
Document Number	0080450-60
Book / Page	80450 / 60
Instrument Date	Jul 18, 2022
Instrument	109525
Transaction Type	Transfer
Record Updated	Aug 5, 2022

Transaction

Amount	Amount on Record
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	81 MOUNT VERNON ST, MELROSE, MA 02176-5322

Mortgage

Document Number	0000109526
Date	Jul 19, 2022
Instrument	109526

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	81 MOUNT VERNON ST, MELROSE, MA 02176-5322
Transaction Type	Mortgage
Record Updated	Mar 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079689-577
Date	Feb 15, 2022
Book Page	79689/577
Instrument	24724

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 81 Mount Vernon St was $14,332, up 11,943.7% 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	$14,332.00 (+11,943.7%)	$1,249,500 (+3.9%) Land $512,600 Building $736,900	$1,187,931 (-10.53%)
2025	$119.00 (-98.99%)	$1,202,600 (+1.16%) Land $484,900 Building $717,700	$1,327,815
2024	$11,805.00 (+15.64%)	$1,188,800 (+21.34%) Land $471,100 Building $717,700
2023	$10,208.00	$979,700 Land $457,200 Building $522,500

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

Flood

FEMA maps place 81 Mount Vernon St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 81 Mount Vernon 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 802 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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