85 Ferdinand St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 85 Ferdinand St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,427 sqft · built 1985
Lot Size	0.169 acres (7,353 sqft)
Owner	2 Trust Names on File
Last Sale	$1,200,000 (Jun 2024)
Tax Bill	$13,453 (2026)
Deeds & Mortgages	May 2026 Transfer Apr 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:A14 P:0000015`

Property Details

APN / Parcel Number

Primary APN	`MELR M:A14 P:0000015`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,427 sqft Living Area
Gross Area	3,530 sqft
Basement Area	1,300 sqft
Unfinished Basement	325 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,353 sqft (0.169 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	85 FERDINAND ST
City	MELROSE
State	MA
Zip	02176-1154
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	5006
Census Tract	336100

Owner

85 Ferdinand St is owner-occupied and held in a trust since June 2024.

Source: Middlesex County and Melrose City records, as of October 20, 2026

Owner of Record	2 Trust Names on File
Mailing Address	85 FERDINAND ST, MELROSE, MA 02176-1154
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family 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 15, 2026	Quit Claim Deed, Transfer Quitclaim
Apr 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage RADIUS FINANCIAL GROUP INC
Jun 13, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC
Nov 30, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2024 · Amount on File
Deed Sale	Jun 13, 2024 · Amount on File
Prior Sale	May 25, 2012 · Amount on File
Deed Document Number	202462717
Deed Book / Page	82882 / 275
Record Updated	Oct 29, 2026

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	May 15, 2026
Property Address	85 FERDINAND ST, MELROSE, MA 02176-1154
Document Number	085599-248
Book / Page	85599 / 248
Instrument Date	May 8, 2026
Instrument	202655900
Transaction Type	Transfer
Record Updated	Aug 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 FERDINAND ST, MELROSE, MA 02176-1154

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Recording Date	Apr 8, 2026
Property Address	85 FERDINAND ST, MELROSE, MA 02176-1154
Document Number	085444-523
Book / Page	85444 / 523
Instrument Date	Apr 3, 2026
Instrument	202638866
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 FERDINAND ST, MELROSE, MA 02176-1154

Mortgage

Document Number	0000038866,
Date	Apr 8, 2026
Book Page	85444/523
Instrument	202638866

Lender

Name	RADIUS FINANCIAL GROUP INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

June 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Jun 13, 2024
Property Address	85 FERDINAND ST, MELROSE, MA 02176-1154
Document Number	082882-275
Book / Page	82882 / 275
Instrument Date	Jun 13, 2024
Instrument	62717
Transaction Type	Transfer
Record Updated	Oct 2, 2025

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	85 FERDINAND ST, MELROSE, MA 02176-1154

Mortgage

Document Number	0000062718
Date	Jun 13, 2024
Instrument	62718

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Nov 30, 2021
Property Address	85 FERDINAND ST, MELROSE, MA 02176-1154
Document Number	079253-176
Book / Page	79253 / 176
Instrument Date	Nov 30, 2021
Instrument	259491
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 FERDINAND ST, MELROSE, MA 02176-1154

Tax Assessment & Valuation

The 2026 property tax bill for 85 Ferdinand St was $13,453, up 12,961.2% from the year before.

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	$13,453.00 (+12,961.17%)	$1,172,900 (+11.82%) Land $506,700 Building $666,200	$1,074,309 (-3.49%)
2025	$103.00 (-98.98%)	$1,048,900 (+2.71%) Land $457,100 Building $591,800	$1,113,115
2024	$10,141.00	$1,021,200 Land $429,400 Building $591,800

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

Flood

FEMA maps place 85 Ferdinand St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 85 Ferdinand St is low, with less than 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 94% of the US · lower than 88% of Massachusetts
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 557 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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