828 South St, Needham, MA 02492 Property Records

Norfolk County and Needham Town property record for 828 South St, Needham, MA 02492

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 3,068 sqft · built 1997
Lot Size	0.479 acres (20,848 sqft)
Owner	2 Individual Names on File
Last Sale	$2,337,500 (Dec 2025)
Tax Bill	$28,553 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Dec 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:2050002000000`

Property Details

APN / Parcel Number

Primary APN	`M:2050002000000`
Alternative APN	`NEED M:205.0 B:0020 L:0000.0`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,068 sqft Living Area
Gross Area	6,480 sqft
1st Floor Area	3,068 sqft
Basement Area	3,023 sqft
Unfinished Basement	1,473 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2000
Architectural Style	Tudor
Exterior Material	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,848 sqft (0.479 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	828 SOUTH ST
City	NEEDHAM
State	MA
Zip	02492-2781
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Subdivision	NEEDHAM
Legal Block	20
Jurisdiction	NEEDHAM MA
Township / Civil Division	NEEDHAM
Census Block Group	3
Census Block	3021
Census Tract	403300

Owner

828 South St is owned and occupied by two individuals who bought it in December 2025.

Source: Norfolk County and Needham Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	828 SOUTH ST, NEEDHAM, MA 02492-2781
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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 13, 2021	Deed of Trust, Mortgage · ARM BANK OF AMERICA NA
Dec 15, 2025	Quit Claim Deed, Transfer
Aug 19, 2019	Deed of Trust, Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2025 · Amount on File
Deed Sale	Dec 15, 2025 · Amount on File
Prior Sale	Oct 14, 2015 · Amount on File
Deed Document Number	202588664
Deed Book / Page	42827 / 567
Prior Transfer Date	Dec 9, 2025
Prior Transfer Doc	042827-567
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	828 SOUTH ST, NEEDHAM, MA 02492-2781
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	039267-357
Date	Apr 13, 2021
Book Page	39267/357
Instrument	48294

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	May 1, 2031
Index	LIBOR

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEEDHAM MA
Recording Date	Dec 15, 2025
Property Address	828 SOUTH ST, NEEDHAM, MA 02492-2781
Document Number	042827-567
Book / Page	42827 / 567
Instrument Date	Dec 9, 2025
Instrument	88664
Transaction Type	Transfer
Record Updated	Jan 7, 2026

Transaction

Amount	Amount 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	828 SOUTH ST, NEEDHAM, MA 02492-2781

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	828 SOUTH ST, NEEDHAM, MA 02492-2781
Document Number	37084-190
Instrument Date	Aug 19, 2019
Transaction Type	Mortgage
Record Updated	Sep 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	828 SOUTH ST NEEDHAM MA 024922781, NEEDHAM, MA 02492-2781

Mortgage

Document Number	37084-190
Date	Aug 23, 2019
Book Page	037084/000190
Instrument	73934

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 22, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 828 South St was $28,553.

Source: Norfolk County and Needham Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Norfolk County
County Subdivision	Needham Town
Unified School District	Needham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$28,553.00	$2,693,700 Land $1,112,900 Building $1,580,800	$2,341,370 (-21.15%)
2024			$2,969,320
2023	$24,337.00	$1,866,300 Land $624,200 Building $1,242,100

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

Flood

FEMA maps place 828 South St in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective May 26, 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
Flood Insurance Cost	Premium on File median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	19 (1978–2023)
Claims Outside the SFHA	19 of 19
Most Recent Claim	Aug 2023 · rainfall accumulation

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 828 South 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	Direct burnable vegetation

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	NEEDHAM WATER DEPT serves 31,664 people · EPA ID MA3199000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jun 2024
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

May also be available: Astound Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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