Norfolk County and Needham Town property record for 851 Charles River St, Needham, MA 02492
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,317 sqft · built 1979 |
| Lot Size | 1.43 acres (62,291 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,280,000 (Apr 2020) |
| Tax Bill | $18,908 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Apr 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:2240000700000 |
| Primary APN | M:2240000700000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,317 sqft Living Area |
| Gross Area | 3,591 sqft |
| 1st Floor Area | 2,317 sqft |
| Basement Area | 1,876 sqft |
| Unfinished Basement | 868 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 62,291 sqft (1.43 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 851 CHARLES RIVER ST |
|---|---|
| City | NEEDHAM |
| State | MA |
| Zip | 02492-1007 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRA |
| Legal Block | 7 |
| Jurisdiction | NEEDHAM MA |
| Township / Civil Division | NEEDHAM |
| Census Block Group | 5 |
| Census Block | 5002 |
| Census Tract | 403400 |
Source: Norfolk County and Needham Town records · APN M:2240000700000
Assessment roll updated April 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 851 CHARLES RIVER ST, NEEDHAM, MA 02492-1007 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 03, 2025 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Apr 16, 2020 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage PREMIA MORTGAGE LLC |
| May 20, 2019 | Deed of Trust, Mortgage BANK OF AMERICA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 16, 2020 · Amount on Record |
| Deed Sale | Apr 16, 2020 · Amount on Record |
| Prior Sale | Jun 10, 1996 · Amount on Record |
| Deed Document Number | 202033995 |
| Deed Book / Page | 37776 / 234 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 851 CHARLES RIVER ST, NEEDHAM, MA 02492-1007 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0042625-62 |
|---|---|
| Date | Sep 03, 2025 |
| Book Page | 42625/62 |
| Instrument | 61373 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Recording Date | Apr 16, 2020 |
| Property Address | 851 CHARLES RIVER ST, NEEDHAM, MA 02492-1007 |
| Document Number | 37776-234 |
| Book / Page | 37776 / 234 |
| Instrument Date | Apr 10, 2020 |
| Instrument | 33995 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 851 CHARLES RIVER ST, NEEDHAM, MA 02492-1007 |
| Document Number | 33996 |
|---|---|
| Date | Apr 16, 2020 |
| Instrument | 33996 |
| Name | PREMIA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | May 01, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 851 CHARLES RIVER ST, NEEDHAM, MA 02492-1007 |
| Document Number | 36843-383 |
| Instrument Date | May 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 851 CHARLES RIVER ST NEEDHAM MA 024921007, NEEDHAM, MA 02492-1007 |
| Document Number | 36843-383 |
|---|---|
| Date | May 31, 2019 |
| Book Page | 036843/000383 |
| Instrument | 42780 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 30, 2049 |
| Rate Type | Adjustable Rate |
|---|
Source: Norfolk County and Needham Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Norfolk County |
| County Subdivision | Needham Town |
| Unified School District | Needham School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $18,908.00 (+5.94%) | $1,783,800 (+30.34%) Land $845,700 Building $938,100 | $1,795,500 (+3.38%) |
| 2024 | $1,736,790 | ||
| 2023 | $17,847.00 | $1,368,600 Land $739,600 Building $629,000 |
Source: FEMA National Flood Hazard Layer as of May 26, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 1 (1978) |
| Most Recent Claim | Feb 1978 · Coastal Storms, Flood, Ice & Snow |
| Wildfire Risk | Low lower than 94% of the US · lower than 86% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 2,000 |
May also be available: Radiate Holdings.
Based on FCC filings for 50 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NEEDHAM WATER DEPT serves 31,664 people |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Jun 2024 |
| Lead | 5 ppb (2021–2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures