98 Grove St, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 98 Grove St, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,161 sqft · built 1900
Lot Size	0.053 acres (2,317 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,000 (Aug 2018)
Tax Bill	$50 (2025)
Deeds & Mortgages	Jul 2020 Refinance Mar 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0C6 P:0000086`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0C6 P:0000086`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,161 sqft Living Area
Gross Area	1,878 sqft
Basement Area	681 sqft
Unfinished Basement	681 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,317 sqft (0.053 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	98 GROVE ST
City	MELROSE
State	MA
Zip	02176-4630
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URC
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	5
Census Block	5011
Census Tract	336300

Owner

Source: Middlesex County and Melrose City records, as of April 14, 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	98 GROVE ST, MELROSE, MA 02176-4630
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP
Mar 5, 2018	Deed of Trust, Mortgage CROSSCOUNTRY MORTGAGE INC
Aug 24, 2018	Quit Claim Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2018 · Amount on Record
Deed Sale	Aug 24, 2018 · Amount on Record
Prior Sale	Jul 16, 2015 · Amount on Record
Deed Book / Page	71526 / 125
Transfer Doc	4898000572
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	98 GROVE ST, MELROSE, MA 02176-4630
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75217-1
Date	Jul 27, 2020
Book Page	75217/1
Instrument	122956

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

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

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	98 GROVE ST, MELROSE, MA 02176-4630
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70696-576
Date	Mar 5, 2018
Book Page	70696/576
Instrument	29854

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Aug 24, 2018
Property Address	98 GROVE ST, MELROSE, MA 02176-4630
Document Number	71526-125
Book / Page	071526 / 000125
Instrument Date	Aug 23, 2018
Instrument	130899
Transaction Type	Transfer
Record Updated	Sep 11, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,915.20
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	98 GROVE ST MELROSE MA 021764630, MELROSE, MA 02176-4630

Mortgage

Document Number	71526-135
Date	Aug 24, 2018
Book Page	071526/000135
Instrument	130902

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2048

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
2025	$50.00 (-98.96%)	$507,100 (+4.45%) Land $251,600 Building $255,500	$600,115
2024	$4,821.00 (+2.1%)	$485,500 (+7.13%) Land $235,400 Building $250,100
2023	$4,722.00	$453,200 Land $219,100 Building $234,100

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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