869 Charles River St, Needham, MA 02492 Property Records

Norfolk County and Needham Town property record for 869 Charles River St, Needham, MA 02492

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,834 sqft · built 1979
Lot Size	1.31 acres (57,194 sqft)
Owner	Individual Name on Record
Last Sale	$1,685,000 (Feb 2025)
Tax Bill	$14,541 (2025)
Deeds & Mortgages	Feb 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:2240000800000`

Property Details

APN / Parcel Number

Primary APN	`M:2240000800000`
Alternative APN	`NEED M:224.0 B:0008 L:0000.0`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,834 sqft Living Area
Gross Area	2,779 sqft
1st Floor Area	1,834 sqft
Basement Area	1,750 sqft
Unfinished Basement	650 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2000
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	57,194 sqft (1.31 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	869 CHARLES RIVER ST
City	NEEDHAM
State	MA
Zip	02492-1007
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Subdivision	NEEDHAM
Legal Block	8
Jurisdiction	NEEDHAM MA
Township / Civil Division	NEEDHAM
Census Block Group	5
Census Block	5002
Census Tract	403400

Owner

Source: Norfolk County and Needham Town records, as of July 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	869 CHARLES RIVER ST, NEEDHAM, MA 02492-1007
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 13, 2025 · Amount on Record
Deed Sale	Feb 13, 2025 · Amount on Record
Prior Sale	Jul 23, 2010 · Amount on Record
Deed Book / Page	42249 / 585
Record Updated	Oct 29, 2026

February 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEEDHAM MA
Recording Date	Feb 13, 2025
Property Address	869 CHARLES RIVER ST, NEEDHAM, MA 02492-1007
Document Number	042249-585
Book / Page	42249 / 585
Instrument Date	Feb 13, 2025
Instrument	9012
Transaction Type	Transfer
Record Updated	Mar 13, 2026

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
Relationship	Tenants by the Entirety
Address	869 CHARLES RIVER ST, NEEDHAM, MA 02492-1007

Mortgage

Document Number	0000009013
Date	Feb 13, 2025
Instrument	9013

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Mar 1, 2030
Max Rate At Change	3%
Index	Other
Margin	3

Tax Assessment & Valuation

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	$14,541.00 (+3.32%)	$1,371,800 (+27.1%) Land $847,400 Building $524,400	$1,594,195 (-1.29%)
2024			$1,615,095
2023	$14,074.00	$1,079,300 Land $742,600 Building $336,700

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 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 Policies	7 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Feb 1978 · Coastal Storms, Flood, Ice & Snow

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 94% of the US · lower than 86% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 50 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

May also be available: Astound Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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