9 Prospect St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 9 Prospect St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 4,667 sqft · built 1895
Lot Size	0.264 acres (11,500 sqft)
Owner	2 Individual Names on File
Last Sale	$2,175,000 (Aug 2025)
Tax Bill	$24,474 (2026)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WINC M:005 B:0229 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:005 B:0229 L:0`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	4,667 sqft Living Area
Gross Area	7,255 sqft
Basement Area	1,658 sqft
Unfinished Basement	829 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	11,500 sqft (0.264 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	9 PROSPECT ST
City	WINCHESTER
State	MA
Zip	01890-3029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDB
Legal Subdivision	WINCHESTER
Legal Block	229
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	3
Census Block	3010
Census Tract	338500

Owner

9 Prospect St is owned and occupied by two individuals who bought it in August 2025.

Source: Middlesex County and Winchester Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	9 PROSPECT ST, WINCHESTER, MA 01890-3029
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2025	Quit Claim Deed, Transfer · Conventional Mortgage MIDDLESEX SAVINGS BANK
Jul 20, 2018	Quit Claim Deed, Transfer CITIBANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2025 · Amount on File
Deed Sale	Aug 14, 2025 · Amount on File
Prior Sale	Jul 20, 2018 · Amount on File
Deed Document Number	202597188
Deed Book / Page	84490 / 145
Record Updated	Oct 29, 2026

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Aug 14, 2025
Property Address	9 PROSPECT ST, WINCHESTER, MA 01890-3029
Document Number	084490-145
Book / Page	84490 / 145
Instrument Date	Aug 14, 2025
Instrument	97188
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount on Record
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	9 PROSPECT ST, WINCHESTER, MA 01890-3029

Mortgage

Document Number	0000097189
Date	Aug 14, 2025
Instrument	97189

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Sep 1, 2030
Index	3-Year CMT

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Jul 20, 2018
Property Address	9 PROSPECT ST, WINCHESTER, MA 01890-3029
Document Number	71351-258
Book / Page	71351 / 258
Instrument	109279
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$188.42
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 PROSPECT ST, WINCHESTER, MA 01890-3029

Mortgage

Document Number	713510262
Date	Jul 20, 2018
Instrument	71351/0262

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 20, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 9 Prospect St was $24,474, down 8.3% from the year before.

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	$24,474.00 (-8.28%)	$2,208,800 (-8.2%) Land $1,191,800 Building $1,017,000	$2,615,376 (+0.52%)
2025	$26,684.00 (+1.64%)	$2,406,100 (+3.84%) Land $1,157,700 Building $1,248,400	$2,601,860
2024	$26,254.00 (+6.62%)	$2,317,200 (+11.04%) Land $1,123,700 Building $1,193,500
2023	$24,624.00	$2,086,800 Land $1,055,600 Building $1,031,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 9 Prospect St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2001.

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	7 in force
Nearby Flood Claims	4 (2001–2010)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 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

Wildfire risk around 9 Prospect St is low, with a 0.01% annual chance of 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 404 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: AT&T, T-Mobile.

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