86 Derby Rd, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 86 Derby Rd, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,526 sqft · built 1950
Lot Size	0.186 acres (8,102 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Jun 2021)
Tax Bill	$8,083 (2026)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:0B4 P:0096=97`

Property Details

APN / Parcel Number

Primary APN	`M:0B4 P:0096=97`
Alternative APN	`MELR M:0B4 P:0096-97`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,526 sqft Living Area
Gross Area	3,209 sqft
Basement Area	1,526 sqft
Unfinished Basement	1,526 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,102 sqft (0.186 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	86 DERBY RD
City	MELROSE
State	MA
Zip	02176-5218
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URB
Legal Subdivision	PLAN 7633B
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	2
Census Block	2000
Census Tract	336403

Owner

86 Derby Rd is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	86 DERBY RD, MELROSE, MA 02176-5218
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2021 · Amount on File
Deed Sale	Jun 29, 2021 · Amount on File
Prior Sale	Jan 25, 1991 · Amount on File
Deed Document Number	20211884699
Record Updated	Oct 29, 2026

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Jun 29, 2021
Property Address	86 DERBY RD, MELROSE, MA 02176-5218
Document Number	0001884699
Instrument Date	Jun 29, 2021
Instrument	1884699
Transaction Type	Transfer
Record Updated	May 10, 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	86 DERBY RD, MELROSE, MA 02176-5218

Mortgage

Document Number	0001884700
Date	Jun 29, 2021
Instrument	1884700

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 86 Derby Rd was $8,083, up 12,147% 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	$8,083.00 (+12,146.97%)	$704,700 (+4.42%) Land $411,300 Building $293,400	$710,946 (-2.9%)
2025	$66.00 (-98.97%)	$674,900 (+4.1%) Land $411,300 Building $263,600	$732,165
2024	$6,438.00 (+0.61%)	$648,300 (+5.57%) Land $384,700 Building $263,600
2023	$6,399.00	$614,100 Land $358,200 Building $255,900

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

Flood

FEMA maps place 86 Derby Rd 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 September 10, 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
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

The area around 86 Derby Rd 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	MELROSE WATER DIVISION (MWRA) serves 29,938 people · EPA ID MA3178000
Water Source	Purchased surface water from MWRA
Last State Inspection	Oct 2025
Lead	10 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement currently in violation since Nov 2021
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 484 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
Netafy Fixed Wireless	476 / 106
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on Derby Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures