98 Cambridge St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 98 Cambridge St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,228 sqft · built 1962
Lot Size	0.53 acres (23,100 sqft)
Owner	Individual Name on Record
Last Sale	$842,500 (Aug 2019)
Tax Bill	$13,607 (2026)
Deeds & Mortgages	Jan 2019 Line of Credit Jun 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:020 B:0199 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:020 B:0199 L:0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,228 sqft Living Area
Gross Area	3,257 sqft
1st Floor Area	908 sqft
Basement Area	1,375 sqft
Unfinished Basement	550 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Split Foyer
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,100 sqft (0.53 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	98 CAMBRIDGE ST
City	WINCHESTER
State	MA
Zip	01890-3742
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDA
Legal Block	199
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	2
Census Block	2015
Census Tract	338400

Owner

Source: Middlesex County and Winchester Town 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	Individual Name on Record
Mailing Address	98 CAMBRIDGE ST, WINCHESTER, MA 01890-3742
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2019	Deed of Trust, Mortgage · Line of Credit EAST BOSTON SAVINGS BANK
Jun 8, 2022	Deed of Trust, Mortgage · Line of Credit MASS BAY CREDIT UNION
Jul 2, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Feb 11, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Aug 1, 2019	Quit Claim Deed, Transfer · Conventional Mortgage METRO CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2019 · Amount on Record
Deed Sale	Aug 1, 2019 · Amount on Record
Prior Sale	Apr 15, 1993 · Amount on Record
Prior Transfer Date	Jul 25, 2019
Prior Transfer Doc	73043-218
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	98 CAMBRIDGE ST, WINCHESTER, MA 01890-3742
Transaction Type	Mortgage
Record Updated	Jun 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072149-572
Date	Jan 22, 2019
Book Page	72149/572
Instrument	8763

Lender

Name	EAST BOSTON SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	98 CAMBRIDGE ST, WINCHESTER, MA 01890-3742
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080245-511
Date	Jun 8, 2022
Book Page	80245/511
Instrument	86030

Lender

Name	MASS BAY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	98 CAMBRIDGE ST, WINCHESTER, MA 01890-3742
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75036-425
Date	Jul 2, 2020
Book Page	75036/425
Instrument	106413

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

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

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	98 CAMBRIDGE ST, WINCHESTER, MA 01890-3742
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76940-301
Date	Feb 11, 2021
Book Page	76940/301
Instrument	31476

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Aug 1, 2019
Property Address	98 CAMBRIDGE ST, WINCHESTER, MA 01890-3742
Document Number	73043-218
Book / Page	073043 / 000218
Instrument Date	Jul 25, 2019
Instrument	113232
Transaction Type	Transfer
Record Updated	Aug 20, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,841.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 CAMBRIDGE ST WINCHESTER MA 018903742, WINCHESTER, MA 01890-3742

Mortgage

Document Number	73043-223
Date	Aug 1, 2019
Book Page	073043/000223
Instrument	113233

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2049

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	$13,607.00 (+0.99%)	$1,228,100 (+1.09%) Land $882,000 Building $346,100	$1,134,043 (-3.18%)
2025	$13,473.00 (+4.87%)	$1,214,900 (+7.14%) Land $882,000 Building $332,900	$1,171,255
2024	$12,847.00 (+7.88%)	$1,133,900 (+12.36%) Land $802,000 Building $331,900
2023	$11,909.00	$1,009,200 Land $722,000 Building $287,200

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	10 (1979–2010)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Mar 2010 · Severe Storms And 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 98% of the US · lower than 96% 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 349 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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