86 Central St, Stoneham, MA 02180 Property Records

Middlesex County and Stoneham Town property record for 86 Central St, Stoneham, MA 02180

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,250 sqft · built 1900
Lot Size	0.06 acres (2,635 sqft)
Owner	Individual Name on Record
Last Sale	$366,900 (Jan 2017)
Tax Bill	$5,300 (2026)
Deeds & Mortgages	Apr 2021 Refinance Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`STON M:12 B:000 L:430`

Property Details

APN / Parcel Number

Primary APN	`STON M:12 B:000 L:430`
Alternative APN	`1269`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,250 sqft Living Area
Gross Area	2,287 sqft
Basement Area	663 sqft
Unfinished Basement	663 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,635 sqft (0.06 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	1269
Street Address	86 CENTRAL ST
City	STONEHAM
State	MA
Zip	02180-2059
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CBD
Legal Lot Number	430
Jurisdiction	STONEHAM MA
Township / Civil Division	STONEHAM
Census Block Group	1
Census Block	1001
Census Tract	337300

Owner

Source: Middlesex County and Stoneham Town records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	86 CENTRAL ST, STONEHAM, MA 02180-2059
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HARVARD UNIVERSITY CREDIT UNION
Jan 20, 2017	Quit Claim Deed, Transfer · Conventional Mortgage HARVARD UNIV CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 20, 2017 · Amount on Record
Deed Sale	Jan 20, 2017 · Amount on Record
Prior Sale	Oct 21, 2016 · Amount on Record
Deed Book / Page	68787 / 449
Transfer Doc	068787-449
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STONEHAM MA
Property Address	86 CENTRAL ST, STONEHAM, MA 02180-2059
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077596-368
Date	Apr 26, 2021
Book Page	77596/368
Instrument	92606

Lender

Name	HARVARD UNIVERSITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STONEHAM MA
Recording Date	Jan 20, 2017
Property Address	86 CENTRAL ST, STONEHAM, MA 02180-2059
Document Number	68787-449
Book / Page	068787 / 000449
Instrument Date	Jan 20, 2017
Instrument	11190
Transaction Type	Transfer
Record Updated	Aug 7, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,673.06
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 CENTRAL ST STONEHAM MA 021802059, STONEHAM, MA 02180-2059

Mortgage

Document Number	68787-451
Date	Jan 20, 2017
Book Page	068787/000451
Instrument	11191

Lender

Name	HARVARD UNIV CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 19, 2047

Tax Assessment & Valuation

Source: Middlesex County and Stoneham Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Stoneham Town
Unified School District	Stoneham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,300.00 (+1.49%)	$526,800 (+3.19%) Land $326,400 Building $200,400	$629,850 (-)
2025	$5,222.00 (+4.88%)	$510,500 (+8.57%) Land $310,100 Building $200,400	$629,850 (+7.58%)
2024	$4,979.00 (+3.02%)	$470,200 (+7.99%) Land $285,600 Building $184,600	$585,485
2023	$4,833.00	$435,400 Land $261,100 Building $174,300

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

Flood

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	1 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

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	STONEHAM WATER DEPT (MWRA SUPPLY) serves 23,244 people · EPA ID MA3284000
Water Source	Purchased surface water from MWRA
Last State Inspection	Nov 2024
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli not recorded as resolved · Sep 2018
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 424 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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