97 Locust St, Winthrop, MA 02152 Property Records

Suffolk County and Winthrop Town City property record for 97 Locust St, Winthrop, MA 02152

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 1,463 sqft · built 1890
Lot Size	0.152 acres (6,600 sqft)
Owner	Individual Name on File
Last Sale	$507,500 (Jan 2017)
Tax Bill	$7,899 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Mar 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINT M:057 L:029`

Property Details

APN / Parcel Number

Primary APN	`WINT M:057 L:029`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,463 sqft Living Area
Gross Area	3,115 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,600 sqft (0.152 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	97 LOCUST ST
City	WINTHROP
State	MA
Zip	02152-1116
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Lot Number	29
Jurisdiction	WINTHROP MA
Township / Civil Division	WINTHROP TOWN
Census Block Group	1
Census Block	1013
Census Tract	180101

Owner

97 Locust St, a duplex, is owned and occupied by an individual who bought it in January 2017.

Source: Suffolk County and Winthrop Town City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	97 LOCUST ST, WINTHROP, MA 02152-1116
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 8, 2026	Deed of Trust, Mortgage · Line of Credit ROCKLAND TRUST COMPANY
Mar 9, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Jan 17, 2017	Quit Claim Deed, Transfer · FHA Mortgage RESIDENTIAL MTG SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2017 · Amount on File
Deed Sale	Jan 17, 2017 · Amount on File
Prior Sale	Jun 15, 2005 · Amount on File
Deed Document Number	20174591
Deed Book / Page	57433 / 16
Transfer Doc	0057433-16
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Recording Date	Sep 8, 2026
Property Address	97 LOCUST ST, WINTHROP, MA 02152-1116
Document Number	0000058123
Book / Page	73219 / 97
Instrument Date	Sep 1, 2026
Instrument	202658123
Transaction Type	Mortgage
Record Updated	Sep 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 LOCUST ST, WINTHROP, MA 02152-1116

Mortgage

Document Number	0000058123,
Date	Sep 8, 2026
Book Page	73219/97
Instrument	202658123

Lender

Name	ROCKLAND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2051

Interest

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP MA
Property Address	97 LOCUST ST, WINTHROP, MA 02152-1116
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62647-208
Date	Mar 9, 2020
Book Page	62647/208
Instrument	19443

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINTHROP MA
Recording Date	Jan 17, 2017
Property Address	97 LOCUST ST, WINTHROP, MA 02152-1116
Document Number	57433-16
Book / Page	57433 / 16
Instrument	4591
Transaction Type	Transfer
Record Updated	Jun 10, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$48.69
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	574330020
Date	Jan 17, 2017
Instrument	57433/0020

Lender

Name	RESIDENTIAL MTG SVCS

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 17, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 97 Locust St was $7,899, up 13.3% from the year before.

Source: Suffolk County and Winthrop Town City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Suffolk County
Municipality	Winthrop Town City
Unified School District	Winthrop School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,899.00 (+13.28%)	$709,100 (+4.94%) Land $362,900 Building $346,200	$773,519
2025	$6,973.00 (+1.35%)	$675,700 (+2.33%) Land $345,600 Building $330,100
2024	$6,880.00 (+1.09%)	$660,300 (+3.8%) Land $332,100 Building $328,200
2023	$6,806.00	$636,100 Land $304,000 Building $332,100

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

Flood

FEMA maps place 97 Locust St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 21, 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
Flood Insurance Cost	Premium on File median of 45 individual policies
Nearby Flood Policies	71 units insured incl. 26 condo units
Nearby Flood Claims	92 (1978–2023)
Claims Outside the SFHA	5 of 92
Most Recent Claim	Dec 2023 · rainfall accumulation
Claims by Event	Winter Coastal Storm, Dec 1992 · 9 claims Coastal Storm, Oct 1991 · 23 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 9 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

The area around 97 Locust St has no burnable land within ember reach, so its wildfire risk is not rated.

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	WINTHROP WATER DIVISION, (MWRA) serves 19,316 people · EPA ID MA3346000
Water Source	Purchased surface water from MWRA
Last State Inspection	Dec 2023
Lead	8 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 681 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, Netafy, Verizon.

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