86 Gay St, Needham, MA 02492 Property Records

Norfolk County and Needham Town property record for 86 Gay St, Needham, MA 02492

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,200 sqft · built 1971
Lot Size	0.336 acres (14,636 sqft)
Owner	2 Individual Names on File
Last Sale	$810,000 (Jul 2017)
Tax Bill	$15,402 (2025)
Deeds & Mortgages	Mar 2020 Refinance Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:1400005100000`

Property Details

APN / Parcel Number

Primary APN	`M:1400005100000`
Alternative APN	`NEED M:140.0 B:0051 L:0000.0`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,200 sqft Living Area
Gross Area	2,828 sqft
1st Floor Area	1,548 sqft
Basement Area	1,200 sqft
Unfinished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1999
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Roof Material	Asphalt
Lot Area	14,636 sqft (0.336 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	86 GAY ST
City	NEEDHAM
State	MA
Zip	02492-1643
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRB
Legal Block	51
Jurisdiction	NEEDHAM MA
Township / Civil Division	NEEDHAM
Census Block Group	3
Census Block	3002
Census Tract	403400

Owner

86 Gay St is owned and occupied by two individuals who bought it in July 2017.

Source: Norfolk County and Needham Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	86 GAY ST, NEEDHAM, MA 02492-1643
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

Date	Document
Mar 9, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HOME POINT FINANCIAL CORPORATION
Jul 21, 2017	Quit Claim Deed, Transfer SANTANDER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2017 · Amount on File
Deed Sale	Jul 21, 2017 · Amount on File
Prior Sale	Mar 9, 2007
Deed Book / Page	35296 / 548
Transfer Doc	035296-548
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	86 GAY ST, NEEDHAM, MA 02492-1643
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37660-487
Date	Mar 9, 2020
Book Page	37660/487
Instrument	21428

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEEDHAM MA
Recording Date	Jul 21, 2017
Property Address	86 GAY ST, NEEDHAM, MA 02492-1643
Document Number	35296-548
Book / Page	35296 / 548
Instrument	67285
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$90.33
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	352960550
Date	Jul 21, 2017
Instrument	35296/0550

Lender

Name	SANTANDER BANK NA

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 21, 2047

Interest

Rate	3.5%
Max Rate At Change	80.1%
Max Rate	2.25%

Tax Assessment & Valuation

The 2025 property tax bill for 86 Gay St was $15,402.

Source: Norfolk County and Needham Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Norfolk County
County Subdivision	Needham Town
Unified School District	Needham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$15,402.00	$1,453,000 Land $888,800 Building $564,200	$1,376,170 (-12.34%)
2024			$1,569,970
2023	$11,915.00	$913,700 Land $512,200 Building $401,500

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

Flood

FEMA maps place 86 Gay St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective May 26, 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 Claims	2 (1982–2002)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2002 · river or lake flooding

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 86 Gay 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 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	NEEDHAM WATER DEPT serves 31,664 people · EPA ID MA3199000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jun 2024
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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, 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 488 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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