81 Walnut St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 81 Walnut St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,813 sqft · built 1829
Lot Size	0.171 acres (7,436 sqft)
Owner	2 Individual Names on File
Last Sale	$727,500 (Dec 2006)
Tax Bill	$16,498 (2026)
Deeds & Mortgages	Apr 2024 Line of Credit Nov 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:004 B:0074 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:004 B:0074 L:0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	2,813 sqft Living Area
Gross Area	4,464 sqft
1st Floor Area	768 sqft
Basement Area	1,207 sqft
Unfinished Basement	1,207 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1829
Effective Year Built	Effective 1829
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,436 sqft (0.171 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	81 WALNUT ST
City	WINCHESTER
State	MA
Zip	01890-2822
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDB
Legal Block	74
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	3
Census Block	3000
Census Tract	338500

Owner

81 Walnut St is owned and occupied by two individuals who bought it in December 2006.

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

Owner of Record	2 Individual Names on File
Mailing Address	81 WALNUT ST, WINCHESTER, MA 01890-2822
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

Date	Document
Apr 23, 2024	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Nov 15, 2022	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Jun 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SANTANDER BANK NA
Aug 26, 2021	Deed of Trust, Mortgage · Line of Credit SANTANDER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2006 · Amount on File
Deed Sale	Dec 6, 2006 · Amount on File
Prior Sale	May 2, 2003 · Amount on File
Deed Document Number	2006231451
Deed Book / Page	48616 / 143
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	81 WALNUT ST, WINCHESTER, MA 01890-2822
Transaction Type	Mortgage
Record Updated	May 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	082689-230
Date	Apr 23, 2024
Book Page	82689/230
Instrument	40196

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	81 WALNUT ST, WINCHESTER, MA 01890-2822
Transaction Type	Mortgage
Record Updated	Dec 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080942-578
Date	Nov 15, 2022
Book Page	80942/578
Instrument	167883

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	81 WALNUT ST, WINCHESTER, MA 01890-2822
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00077967-1
Date	Jun 8, 2021
Book Page	77967/1
Instrument	129539

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	81 WALNUT ST, WINCHESTER, MA 01890-2822
Transaction Type	Mortgage
Record Updated	Sep 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78550-57
Date	Aug 26, 2021
Book Page	78550/57
Instrument	190412

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 81 Walnut St was $16,498, up 10,341.8% from the year before.

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	$16,498.00 (+10,341.77%)	$1,489,000 (+3.95%) Land $811,300 Building $677,700	$1,552,635 (+6.33%)
2025	$158.00 (-98.99%)	$1,432,400 (+3.48%) Land $780,100 Building $652,300	$1,460,245
2024	$15,683.00 (+4.83%)	$1,384,200 (+9.18%) Land $780,100 Building $604,100
2023	$14,960.00	$1,267,800 Land $686,500 Building $581,300

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

Flood

FEMA maps place 81 Walnut St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2001.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	4 (2001–2010)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 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

Wildfire risk around 81 Walnut St is low, with a 0.01% annual chance of 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	Indirect 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	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 279 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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