96 Gay St, Needham, MA 02492 Property Records

Norfolk County and Needham Town property record for 96 Gay St, Needham, MA 02492

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 996 sqft · built 1966
Lot Size	0.364 acres (15,856 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,206,000 (Jul 2019)
Tax Bill	$15,972 (2025)
Deeds & Mortgages	Jul 2019 Sale & Mortgage Dec 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`M:1400005000000`

Property Details

APN / Parcel Number

Primary APN	`M:1400005000000`
Alternative APN	`NEED M:140.0 B:0050 L:0000.0`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	996 sqft Living Area
Gross Area	1,958 sqft
1st Floor Area	996 sqft
Basement Area	996 sqft
Unfinished Basement	496 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 2017
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,856 sqft (0.364 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	96 GAY ST
City	NEEDHAM
State	MA
Zip	02492-1643
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRB
Legal Block	50
Jurisdiction	NEEDHAM MA
Township / Civil Division	NEEDHAM
Census Block Group	3
Census Block	3002
Census Tract	403400

Owner

Source: Norfolk County and Needham Town records, as of July 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	96 GAY ST, NEEDHAM, MA 02492-1643
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2019	Quit Claim Deed, Transfer BANK OF AMERICA
Dec 5, 2017	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2019 · Amount on Record
Deed Sale	Jul 15, 2019 · Amount on Record
Prior Sale	Dec 5, 2017
Deed Book / Page	36961 / 490
Prior Transfer Date	Jul 1, 2019
Prior Transfer Doc	036961-490
Record Updated	Oct 29, 2026

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEEDHAM MA
Recording Date	Jul 15, 2019
Property Address	96 GAY ST, NEEDHAM, MA 02492-1643
Document Number	36961-490
Book / Page	036961 / 000490
Instrument Date	Jul 1, 2019
Instrument	58368
Transaction Type	Transfer
Record Updated	Jul 30, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,206.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	96 GAY ST NEEDHAM MA 024921643, NEEDHAM, MA 02492-1643

Mortgage

Document Number	36961-492
Date	Jul 15, 2019
Book Page	036961/000492
Instrument	58369

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2049

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEEDHAM MA
Recording Date	Dec 5, 2017
Property Address	96 GAY ST, NEEDHAM, MA 02492-1643
Document Number	35648-132
Book / Page	035648 / 000132
Instrument Date	Dec 4, 2017
Instrument	115936
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	96 GAY ST NEEDHAM MA 024921643, NEEDHAM, MA 02492-1643

Tax Assessment & Valuation

Source: Norfolk County and Needham Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Norfolk County
County Subdivision	Needham Town
Unified School District	Needham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$15,972.00 (+6.74%)	$1,506,800 (+31.31%) Land $892,000 Building $614,800	$1,601,130 (-3.24%)
2024			$1,654,710
2023	$14,963.00	$1,147,500 Land $564,700 Building $582,800

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 May 26, 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
Nearby Flood Claims	2 (1982–2002)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2002 · river or lake flooding

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 96% of the US · lower than 92% 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	NEEDHAM WATER DEPT serves 31,664 people · EPA ID MA3199000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jun 2024
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 488 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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