86 Middlesex St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 86 Middlesex St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,147 sqft · built 1900
Lot Size	0.085 acres (3,685 sqft)
Owner	Individual Name on Record
Last Sale	$685,000 (Oct 2020)
Tax Bill	$9,579 (2026)
Deeds & Mortgages	Mar 2024 Line of Credit Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:015 B:0027 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:015 B:0027 L:0`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,147 sqft Living Area
Gross Area	1,886 sqft
Basement Area	435 sqft
Unfinished Basement	435 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,685 sqft (0.085 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	86 MIDDLESEX ST
City	WINCHESTER
State	MA
Zip	01890-1829
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG
Legal Block	27
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	1
Census Block	1000
Census Tract	338300

Owner

Source: Middlesex County and Winchester 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 MIDDLESEX ST, WINCHESTER, MA 01890-1829
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Oct 5, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ENVISION BANK
Aug 1, 2017	Quit Claim Deed, Transfer WINCHESTER COOPERATIVE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2020 · Amount on Record
Deed Sale	Oct 5, 2020 · Amount on Record
Prior Sale	Aug 1, 2017 · Amount on Record
Deed Book / Page	75807 / 559
Prior Transfer Date	Sep 28, 2020
Prior Transfer Doc	75807-559
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	86 MIDDLESEX ST, WINCHESTER, MA 01890-1829
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	082602-258
Date	Mar 27, 2024
Book Page	82602/258
Instrument	29666

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Oct 5, 2020
Property Address	86 MIDDLESEX ST, WINCHESTER, MA 01890-1829
Document Number	75807-559
Book / Page	75807 / 559
Instrument Date	Sep 28, 2020
Instrument	179326
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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
Address	86 MIDDLESEX ST, WINCHESTER, MA 01890-1829

Mortgage

Document Number	179327
Date	Oct 5, 2020
Instrument	179327

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Aug 1, 2017
Property Address	86 MIDDLESEX ST, WINCHESTER, MA 01890-1829
Document Number	69706-500
Book / Page	69706 / 500
Instrument	122266
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$55.37
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 MIDDLESEX ST, WINCHESTER, MA 01890-1829

Mortgage

Document Number	697060505
Date	Aug 1, 2017
Instrument	69706/0505

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,579.00 (+10,426.37%)	$864,500 (+4.94%) Land $571,600 Building $292,900	$919,297 (+2.99%)
2025	$91.00 (-98.97%)	$823,800 (+5.35%) Land $543,000 Building $280,800	$892,620
2024	$8,860.00 (+5.18%)	$782,000 (+9.54%) Land $514,500 Building $267,500
2023	$8,424.00	$713,900 Land $471,600 Building $242,300

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	6 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	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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	WINCHESTER WATER DEPT serves 22,970 people · EPA ID MA3344000
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 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 261 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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