9 Howard St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 9 Howard St, Melrose, MA 02176

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,144 sqft · built 1910
Lot Size	0.087 acres (3,798 sqft)
Owner	2 Company Names on Record
Last Sale	$530,000 (Jan 2015)
Tax Bill	$9,207 (2026)
Deeds & Mortgages	Mar 2024 Mortgage Jul 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:D11 P:0000103`

Property Details

APN / Parcel Number

Primary APN	`MELR M:D11 P:0000103`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,144 sqft Living Area
Gross Area	3,947 sqft
Basement Area	852 sqft
Unfinished Basement	852 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	3,798 sqft (0.087 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	9 HOWARD ST
City	MELROSE
State	MA
Zip	02176-1905
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	URB
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	4
Census Block	4007
Census Tract	336202

Owner

Source: Middlesex County and Melrose City records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	142 BANCROFT AVE, READING, MA 01867-2102
Owner Type	Company
Vesting	Trust, Family Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) MEMBERS PLUS CU
Jul 6, 2017	Deed of Trust, Mortgage · ARM SAVINGS BANK TRUST
Nov 25, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance SAVINGS BANK TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2015 · Amount on Record
Deed Sale	Jan 21, 2015 · Amount on Record
Deed Book / Page	64818 / 137
Last Transfer Date	Feb 19, 2025
Transfer Doc	083789-520
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	9 HOWARD ST, MELROSE, MA 02176-1905
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	082581-280
Date	Mar 19, 2024
Book Page	82581/280
Instrument	27029

Lender

Name	MEMBERS PLUS CU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2039

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	9 HOWARD ST, MELROSE, MA 02176-1905
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69558-453
Date	Jul 6, 2017
Book Page	69558/453
Instrument	104266

Lender

Name	SAVINGS BANK TRUST
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Margin	13

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	9 HOWARD ST, MELROSE, MA 02176-1905
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73707-329
Date	Nov 25, 2019
Book Page	73707/329
Instrument	185000

Lender

Name	SAVINGS BANK TRUST
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

Source: Middlesex County and Melrose City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Melrose City
Unified School District	Melrose School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,207.00 (+22.21%)	$802,700 (+5.48%) Land $467,500 Building $335,200	$935,798
2025	$7,534.00 (+3.89%)	$761,000 (+4.2%) Land $442,200 Building $318,800
2024	$7,252.00 (-2.05%)	$730,300 (+2.77%) Land $429,600 Building $300,700
2023	$7,404.00	$710,600 Land $417,000 Building $293,600

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	MELROSE WATER DIVISION (MWRA) serves 29,938 people · EPA ID MA3178000
Water Source	Purchased surface water from MWRA
Last State Inspection	Oct 2025
Lead	10 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement currently in violation since Nov 2021
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 677 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
Netafy Fixed Wireless	476 / 106
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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