82 Forest St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 82 Forest St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,384 sqft · built 1926
Lot Size	0.138 acres (5,990 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Jan 2015)
Tax Bill	$11,781 (2026)
Deeds & Mortgages	Jun 2021 Refinance Oct 2025 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`WINC M:012 B:0125 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:012 B:0125 L:0`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,384 sqft Living Area
Gross Area	2,783 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,990 sqft (0.138 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	82 FOREST ST
City	WINCHESTER
State	MA
Zip	01890-1236
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG
Legal Block	125
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	3
Census Block	3021
Census Tract	338200

Owner

82 Forest St is owned and occupied by two individuals who bought it in January 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	82 FOREST ST, WINCHESTER, MA 01890-1236
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
Jun 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHMARK BANK
Oct 15, 2025	Deed of Trust, Mortgage · Conventional Mortgage WINCHESTER COOPERATIVE BANK
Dec 18, 2018	Deed of Trust, Mortgage · ARM NORTHMARK BANK
Aug 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHMARK BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2015 · Amount on File
Deed Sale	Jan 9, 2015 · Amount on File
Prior Sale	Nov 20, 2012
Deed Document Number	20153724
Deed Book / Page	64775 / 598
Transfer Doc	064775-598
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	82 FOREST ST, WINCHESTER, MA 01890-1236
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077927-229
Date	Jun 3, 2021
Book Page	77927/229
Instrument	125663

Lender

Name	NORTHMARK BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	82 FOREST ST, WINCHESTER, MA 01890-1236
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084737-154
Date	Oct 15, 2025
Book Page	84737/154
Instrument	124886

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Oct 9, 2028
Index	3-Year CMT

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	82 FOREST ST, WINCHESTER, MA 01890-1236
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72026-398
Date	Dec 18, 2018
Book Page	72026/398
Instrument	192234

Lender

Name	NORTHMARK BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Type Change Date	Dec 1, 2023

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	82 FOREST ST, WINCHESTER, MA 01890-1236
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75379-402
Date	Aug 17, 2020
Book Page	75379/402
Instrument	139213

Lender

Name	NORTHMARK BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 82 Forest St was $11,781, up 1.1% 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	$11,781.00 (+1.12%)	$1,063,300 (+1.21%) Land $694,400 Building $368,900	$937,507 (+12.31%)
2025	$11,651.00 (+9.21%)	$1,050,600 (+11.58%) Land $694,400 Building $356,200	$834,765
2024	$10,668.00 (+3.72%)	$941,600 (+8.03%) Land $603,900 Building $337,700
2023	$10,285.00	$871,600 Land $543,500 Building $328,100

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

Flood

FEMA maps place 82 Forest St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 28 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	113 units insured incl. 85 condo units

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 82 Forest 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
Adjoins Burnable Land	Yes

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

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

May also be available: Astound Broadband.

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