81 Warwick Rd, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 81 Warwick Rd, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,092 sqft · built 1916
Lot Size	0.216 acres (9,396 sqft)
Owner	2 Individual Names on Record
Last Sale	$342,000 (Mar 2006)
Tax Bill	$8,846 (2026)
Deeds & Mortgages	May 2025 Mortgage Sep 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:A11 P:0000061`

Property Details

APN / Parcel Number

Primary APN	`MELR M:A11 P:0000061`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,092 sqft Living Area
Gross Area	2,928 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1975
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,396 sqft (0.216 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	81 WARWICK RD
City	MELROSE
State	MA
Zip	02176-2109
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URA
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	5
Census Block	5023
Census Tract	336100

Owner

Source: Middlesex County and Melrose City 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	81 WARWICK RD, MELROSE, MA 02176-2109
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 30, 2025	Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING
Sep 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance EASTERN BANK
Apr 10, 2018	Deed of Trust, Mortgage · Line of Credit METRO CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2006 · Amount on Record
Deed Sale	Mar 28, 2006 · Amount on Record
Deed Document Number	200653363
Deed Book / Page	47174 / 525
Last Transfer Date	Mar 14, 2025
Transfer Doc	083875-116
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON MA
Property Address	81 WARWICK RD, MELROSE, MA 02176-2109
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084162-440
Date	May 30, 2025
Book Page	84162/440
Instrument	60276

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	81 WARWICK RD, MELROSE, MA 02176-2109
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75759-556
Date	Sep 30, 2020
Book Page	75759/556
Instrument	174735

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	81 WARWICK RD, MELROSE, MA 02176-2109
Document Number	70875-203
Instrument Date	Apr 10, 2018
Transaction Type	Mortgage
Record Updated	May 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70875-203
Date	Apr 17, 2018
Book Page	070875/000203
Instrument	51408

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 16, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$8,846.00 (+12,186.11%)	$771,200 (+4.87%) Land $421,200 Building $350,000	$877,032 (+6.38%)
2025	$72.00 (-98.97%)	$735,400 (+4.55%) Land $397,200 Building $338,200	$824,410
2024	$6,985.00	$703,400 Land $373,100 Building $330,300

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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	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 494 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, Netafy.

Cell Coverage

5G (outdoors only) and 4G LTE

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