89 Main St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 89 Main St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,159 sqft · built 1932
Lot Size	0.236 acres (10,289 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,150,000 (Nov 2025)
Tax Bill	$12,013 (2025)
Deeds & Mortgages	Jan 2025 Line of Credit Nov 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:006 B:0125 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:006 B:0125 L:0`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,159 sqft Living Area
Gross Area	3,002 sqft
1st Floor Area	1,209 sqft
Basement Area	832 sqft
Unfinished Basement	416 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,289 sqft (0.236 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	89 MAIN ST
City	WINCHESTER
State	MA
Zip	01890-3927
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDB
Legal Block	125
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	2
Census Block	2010
Census Tract	338500

Owner

Source: Middlesex County and Winchester Town records, as of April 14, 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	89 MAIN ST, WINCHESTER, MA 01890-3927
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2025	Deed of Trust, Mortgage · Line of Credit WINCHESTER COOPERATIVE BANK
Nov 14, 2025	Quit Claim Deed, Transfer
Jul 8, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2025 · Amount on Record
Deed Sale	Nov 14, 2025 · Amount on Record
Prior Sale	Jul 8, 2020 · Amount on Record
Deed Book / Page	84879 / 489
Record Updated	Jun 8, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	89 MAIN ST, WINCHESTER, MA 01890-3927
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	083654-435
Date	Jan 7, 2025
Book Page	83654/435
Instrument	1599

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2045

Interest

Rate Type	Adjustable Rate

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Nov 14, 2025
Property Address	89 MAIN ST, WINCHESTER, MA 01890-3927
Document Number	084879-489
Book / Page	84879 / 489
Instrument Date	Nov 7, 2025
Instrument	139950
Transaction Type	Transfer
Record Updated	Dec 10, 2025

Transaction

Amount	Amount Recorded
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	89 MAIN ST, WINCHESTER, MA 01890-3927

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Jul 8, 2020
Property Address	89 MAIN ST, WINCHESTER, MA 01890-3927
Document Number	75066-290
Book / Page	75066 / 290
Instrument Date	Jul 1, 2020
Instrument	109076
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	89 MAIN ST, WINCHESTER, MA 01890-3927

Mortgage

Document Number	109077
Date	Jul 8, 2020
Instrument	109077

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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
2025	$12,013.00 (+4.53%)	$1,083,200 (+6.79%) Land $730,500 Building $352,700	$1,049,180
2024	$11,492.00 (+4.89%)	$1,014,300 (+9.24%) Land $664,100 Building $350,200
2023	$10,956.00	$928,500 Land $597,700 Building $330,800

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2001–2006)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2006 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 2 claims

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 489 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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