85 Bowdoin St, Winthrop, MA 02152 Property Records

Suffolk County and Winthrop Town City property record for 85 Bowdoin St, Winthrop, MA 02152

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,500 sqft · built 1900
Lot Size	0.17 acres (7,398 sqft)
Owner	Individual Name on File
Last Sale	$420,000 (May 2014)
Tax Bill	$7,792 (2026)
Deeds & Mortgages	Mar 2026 Second Mortgage May 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`WINT M:049 L:001`

Property Details

APN / Parcel Number

Primary APN	`WINT M:049 L:001`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,500 sqft Living Area
Gross Area	2,166 sqft
Basement Area	616 sqft
Unfinished Basement	616 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,398 sqft (0.17 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	85 BOWDOIN ST
City	WINTHROP
State	MA
Zip	02152-3136
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	1
Jurisdiction	WINTHROP MA
Township / Civil Division	WINTHROP TOWN
Census Block Group	2
Census Block	2003
Census Tract	180200

Owner

85 Bowdoin St is owned and occupied by an individual who bought it in May 2014.

Source: Suffolk County and Winthrop Town City records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	85 BOWDOIN ST, WINTHROP, MA 02152-3136
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SAVINGS BANK
May 5, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance SAVINGS BANK TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2014 · Amount on File
Deed Sale	May 29, 2014 · Amount on File
Prior Sale	Jun 23, 2003 · Amount on File
Deed Book / Page	53025 / 64
Transfer Doc	0053025-64
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	85 BOWDOIN ST, WINTHROP, MA 02152-3136
Transaction Type	Mortgage
Record Updated	Apr 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072524-23
Date	Mar 17, 2026
Book Page	72524/23
Instrument	14658

Lender

Name	SAVINGS BANK

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2041

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	85 BOWDOIN ST, WINTHROP, MA 02152-3136
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62951-191
Date	May 5, 2020
Book Page	62951/191
Instrument	35279

Lender

Name	SAVINGS BANK TRUST
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 85 Bowdoin St was $7,792, up 14.4% from the year before.

Source: Suffolk County and Winthrop Town City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Suffolk County
Municipality	Winthrop Town City
Unified School District	Winthrop School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,792.00 (+14.39%)	$699,500 (+5.97%) Land $367,400 Building $332,100	$731,852
2025	$6,812.00 (-1.29%)	$660,100 (-0.33%) Land $349,900 Building $310,200
2024	$6,901.00 (+5.76%)	$662,300 (+8.61%) Land $336,200 Building $326,100	$677,825
2023	$6,525.00	$609,800 Land $307,800 Building $302,000

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

Flood

FEMA maps place 85 Bowdoin St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
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 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (1978–2021)
Most Recent Claim	Sep 2021 · Tropical Storm Henri

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

The area around 85 Bowdoin St has no burnable land within ember reach, so its wildfire risk is not rated.

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	WINTHROP WATER DIVISION, (MWRA) serves 19,316 people · EPA ID MA3346000
Water Source	Purchased surface water from MWRA
Last State Inspection	Dec 2023
Lead	8 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 759 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Netafy, T-Mobile.

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