95 Mount Vernon Ave, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 95 Mount Vernon Ave, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,864 sqft · built 1935
Lot Size	0.179 acres (7,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$547,000 (Nov 2016)
Tax Bill	$8,905 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Aug 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0C5 P:0000063`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0C5 P:0000063`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,864 sqft Living Area
Gross Area	3,246 sqft
Basement Area	1,035 sqft
Unfinished Basement	1,035 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,780 sqft (0.179 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	95 MOUNT VERNON AVE
City	MELROSE
State	MA
Zip	02176-5206
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URA
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	2
Census Block	2001
Census Tract	336404

Owner

Source: Middlesex County and Melrose City records, as of October 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	95 MOUNT VERNON AVE, MELROSE, MA 02176-5206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2026	Deed of Trust, Mortgage · Line of Credit METRO CREDIT UNION
Aug 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Apr 27, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Sep 16, 2019	Deed of Trust, Mortgage · Line of Credit TREMONT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2016 · Amount on Record
Deed Sale	Nov 21, 2016 · Amount on Record
Prior Sale	Mar 31, 1998 · Amount on Record
Deed Document Number	2016208533
Deed Book / Page	68441 / 294
Transfer Doc	068441-294
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Recording Date	Aug 13, 2026
Property Address	95 MOUNT VERNON AVE, MELROSE, MA 02176-5206
Document Number	0000102111
Book / Page	86009 / 265
Instrument Date	Aug 5, 2026
Instrument	2026102111
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 MOUNT VERNON AVE, MELROSE, MA 02176-5206

Mortgage

Document Number	0000102111,
Date	Aug 13, 2026
Book Page	86009/265
Instrument	2026102111

Lender

Name	METRO CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	95 MOUNT VERNON AVE, MELROSE, MA 02176-5206
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078581-197
Date	Aug 30, 2021
Book Page	78581/197
Instrument	193487

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2046

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	95 MOUNT VERNON AVE, MELROSE, MA 02176-5206
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74547-156
Date	Apr 27, 2020
Book Page	74547/156
Instrument	61826

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	95 MOUNT VERNON AVE, MELROSE, MA 02176-5206
Document Number	73311-71
Instrument Date	Sep 16, 2019
Transaction Type	Mortgage
Record Updated	Oct 8, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	95 MOUNT VERNON AVE MELROSE MA 021765206, MELROSE, MA 02176-5206

Mortgage

Document Number	73311-71
Date	Sep 20, 2019
Book Page	073311/000071
Instrument	143122

Lender

Name	TREMONT CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 19, 2049

Interest

Rate Type	Adjustable Rate

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	$8,905.00 (+11,773.33%)	$776,400 (+1.34%) Land $431,400 Building $345,000	$802,762 (+7.25%)
2025	$75.00 (-98.97%)	$766,100 (+4.64%) Land $431,400 Building $334,700	$748,505
2024	$7,270.00 (+5.06%)	$732,100 (+10.24%) Land $403,600 Building $328,500
2023	$6,920.00	$664,100 Land $375,800 Building $288,300

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 802 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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