92 Middlesex St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 92 Middlesex St, Winchester, MA 01890

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,680 sqft · built 2010
Owner	2 Individual Names on Record
Last Sale	$829,900 (Dec 2018)
Tax Bill	$13,093 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WINC M:015 B:0142 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:015 B:0142 L:0`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,680 sqft Living Area
Gross Area	2,440 sqft
1st Floor Area	2,176 sqft
Basement Area	300 sqft
Unfinished Basement	300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	92 MIDDLESEX ST
City	WINCHESTER
State	MA
Zip	01890-1829
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RG
Legal Block	142
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	1
Census Block	1000
Census Tract	338300

Owner

Source: Middlesex County and Winchester Town 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 Individual Names on Record
Mailing Address	92 MIDDLESEX ST, WINCHESTER, MA 01890-1829
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2020	Deed of Trust, Mortgage · ARM CAMBRIDGE SAVINGS BANK
Dec 14, 2018	Condominium Deed, Transfer FIRST CHOICE LN SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2018 · Amount on Record
Deed Sale	Dec 14, 2018 · Amount on Record
Deed Document Number	2018190518
Deed Book / Page	72011 / 342
Prior Transfer Date	Dec 10, 2018
Prior Transfer Doc	72011-342
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	92 MIDDLESEX ST, WINCHESTER, MA 01890-1829
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76309-450
Date	Dec 1, 2020
Book Page	76309/450
Instrument	226811

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.13%
Type Change Date	Dec 1, 2027
Index	1-Year CMT

December 2018: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	WINCHESTER MA
Recording Date	Dec 14, 2018
Property Address	92 MIDDLESEX ST, WINCHESTER, MA 01890-1829
Document Number	72011-342
Book / Page	072011 / 000342
Instrument Date	Dec 10, 2018
Instrument	190518
Transaction Type	Transfer
Record Updated	Jan 2, 2019

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,784.34
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	92 MIDDLESEX ST #92 WINCHESTER MA 018901829, 92, WINCHESTER, MA 01890-1829

Mortgage

Document Number	72011-345
Date	Dec 14, 2018
Book Page	072011/000345
Instrument	190519

Lender

Name	FIRST CHOICE LN SVCS
Type	Funding / Finance Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 13, 2048

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
2026	$13,093.00 (+14,447.78%)	$1,181,700 (+45.15%) Building $1,181,700	$863,294 (-19.95%)
2025	$90.00 (-99.11%)	$814,100 (-9.29%) Building $814,100	$1,078,440
2024	$10,169.00 (-0.59%)	$897,500 (+3.53%) Building $897,500
2023	$10,229.00	$866,900 Building $866,900

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	6 in force

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 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 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 261 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: T-Mobile.

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