869 South St, Needham, MA 02492 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 2,369 sqft · built 1998
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,600,000 (Apr 2015)
Tax Bill	$26,426 (2025)
Deeds & Mortgages	Jan 2021 Refinance Jan 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`M:2050004800000`

Property Details

APN / Parcel Number

Primary APN	`M:2050004800000`
Alternative APN	`NEED M:205.0 B:0048 L:0000.0`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	3 Stories
Building Area	2,369 sqft Living Area
Gross Area	5,717 sqft
1st Floor Area	2,369 sqft
Basement Area	2,331 sqft
Unfinished Basement	813 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	869 SOUTH ST
City	NEEDHAM
State	MA
Zip	02492-2794
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Block	48
Jurisdiction	NEEDHAM MA
Township / Civil Division	NEEDHAM
Census Block Group	3
Census Block	3004
Census Tract	403300

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	2 Individual Names on Record
Mailing Address	869 SOUTH ST, NEEDHAM, MA 02492-2794
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Jan 19, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Oct 29, 2019	Deed of Trust, Mortgage · Balloon Mortgage TD BANK NA
Sep 7, 2018	Deed of Trust, Mortgage USA ALLIANCE FCU
Oct 29, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance TD BANK NA
Jun 3, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2015 · Amount on Record
Deed Sale	Apr 17, 2015 · Amount on Record
Prior Sale	Feb 11, 2015 · Amount on Record
Deed Book / Page	33054 / 234
Transfer Doc	24897-390
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	869 SOUTH ST, NEEDHAM, MA 02492-2794
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	038918-368
Date	Jan 26, 2021
Book Page	38918/368
Instrument	10398

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2036

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	869 SOUTH ST, NEEDHAM, MA 02492-2794
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040252-470
Date	Jan 19, 2022
Book Page	40252/470
Instrument	5406

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	869 SOUTH ST, NEEDHAM, MA 02492-2794
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37290-232
Date	Oct 29, 2019
Book Page	37290/232
Instrument	99225

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	869 SOUTH ST, NEEDHAM, MA 02492-2794
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36281-220
Date	Sep 7, 2018
Book Page	36281/220
Instrument	80425

Lender

Name	USA ALLIANCE FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Sep 1, 2028

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	869 SOUTH ST, NEEDHAM, MA 02492-2794
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37290-220
Date	Oct 29, 2019
Book Page	37290/220
Instrument	99224

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2034

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEEDHAM MA
Property Address	869 SOUTH ST, NEEDHAM, MA 02492-2794
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37940-440
Date	Jun 3, 2020
Book Page	37940/440
Instrument	51403

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2035

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	$26,426.00 (+7.81%)	$2,493,000 (+32.63%) Land $896,000 Building $1,597,000	$2,699,330 (-15.12%)
2024			$3,180,125
2023	$24,511.00	$1,879,700 Land $700,000 Building $1,179,700

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
Flood Insurance Cost	Premium on Record median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	19 (1978–2023)
Claims Outside the SFHA	19 of 19
Most Recent Claim	Aug 2023 · rainfall accumulation

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	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 56 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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