84 High Rock St, Needham, MA 02492 Property Records

Norfolk County and Needham Town property record for 84 High Rock St, Needham, MA 02492

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,955 sqft · built 1997
Lot Size	0.796 acres (34,674 sqft)
Owner	2 Trust Names on File
Last Sale	$2,065,000 (Jun 2022)
Tax Bill	$21,428 (2025)
Deeds & Mortgages	May 2025 Mortgage Oct 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:0430000400000`

Property Details

APN / Parcel Number

Primary APN	`M:0430000400000`
Alternative APN	`NEED M:043.0 B:0004 L:0000.0`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,955 sqft Living Area
Gross Area	4,158 sqft
1st Floor Area	1,955 sqft
Basement Area	1,939 sqft
Unfinished Basement	388 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	34,674 sqft (0.796 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	84 HIGH ROCK ST
City	NEEDHAM
State	MA
Zip	02492-2850
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Subdivision	NEEDHAM
Legal Block	4
Jurisdiction	NEEDHAM MA
Township / Civil Division	NEEDHAM
Census Block Group	3
Census Block	3003
Census Tract	403300

Owner

84 High Rock St is owner-occupied and held in a trust since June 2022.

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

Owner of Record	2 Trust Names on File
Mailing Address	84 HIGH ROCK ST, NEEDHAM, MA 02492-2850
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
May 19, 2025	Deed of Trust, Mortgage CITIZENS BANK
Oct 18, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jun 2, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FIRST REPUBLIC BANK
May 13, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FINANCE AMERICA LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2022 · Amount on File
Deed Sale	Jun 2, 2022 · Amount on File
Prior Sale	Sep 8, 2010 · Amount on File
Deed Document Number	202248873
Deed Book / Page	40584 / 492
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	84 HIGH ROCK ST, NEEDHAM, MA 02492-2850
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042404-209
Date	May 19, 2025
Book Page	42404/209
Instrument	30897

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	84 HIGH ROCK ST, NEEDHAM, MA 02492-2850
Transaction Type	Mortgage
Record Updated	Nov 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041463-572
Date	Oct 18, 2023
Book Page	41463/572
Instrument	68015

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEEDHAM MA
Recording Date	Jun 2, 2022
Property Address	84 HIGH ROCK ST, NEEDHAM, MA 02492-2850
Document Number	040584-492
Book / Page	40584 / 492
Instrument Date	Jun 2, 2022
Instrument	48873
Transaction Type	Transfer
Record Updated	Jun 17, 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	84 HIGH ROCK ST, NEEDHAM, MA 02492-2850

Mortgage

Document Number	0000048874
Date	Jun 2, 2022
Instrument	48874

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	84 HIGH ROCK ST, NEEDHAM, MA 02492-2850
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037868-142
Date	May 13, 2020
Book Page	37868/142
Instrument	43432

Lender

Name	FINANCE AMERICA LLC
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 84 High Rock St was $21,428.

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	$21,428.00	$2,021,500 Land $801,500 Building $1,220,000	$2,404,450 (+3.92%)
2024			$2,313,725
2023	$19,024.00	$1,458,900 Land $549,400 Building $909,500

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

Flood

FEMA maps place 84 High Rock 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 84 High Rock 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	None beyond 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	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 178 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
Astound Broadband Cable	1,500 / 50

May also be available: AT&T, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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