98 Hillside Ave, Melrose, MA 02176 Property Records

Middlesex County and Melrose City property record for 98 Hillside Ave, Melrose, MA 02176

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,745 sqft · built 1900
Lot Size	0.218 acres (9,496 sqft)
Owner	2 Individual Names on File
Last Sale	$1,350,000 (Sep 2019)
Tax Bill	$16,543 (2026)
Deeds & Mortgages	Apr 2021 Line of Credit Dec 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0D9 P:0000083`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0D9 P:0000083`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	3,745 sqft Living Area
Gross Area	6,595 sqft
Basement Area	1,446 sqft
Unfinished Basement	1,446 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Victorian
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,496 sqft (0.218 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	98 HILLSIDE AVE
City	MELROSE
State	MA
Zip	02176-3218
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URA
Legal Subdivision	MELROSE
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	2
Census Block	2004
Census Tract	336202

Owner

98 Hillside Ave is owned and occupied by two individuals who bought it in September 2019.

Source: Middlesex County and Melrose City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	98 HILLSIDE AVE, MELROSE, MA 02176-3218
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Apr 21, 2021	Deed of Trust, Mortgage · Line of Credit CAMBRIDGE SAVINGS BANK
Dec 14, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FLAGSTAR BANK FSB
Sep 23, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAMBRIDGE SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2019 · Amount on File
Deed Sale	Sep 23, 2019 · Amount on File
Prior Sale	Aug 1, 2000 · Amount on File
Deed Document Number	2019144558
Deed Book / Page	73326 / 231
Prior Transfer Date	Aug 30, 2019
Prior Transfer Doc	0000144558
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	98 HILLSIDE AVE, MELROSE, MA 02176-3218
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077563-328
Date	Apr 21, 2021
Book Page	77563/328
Instrument	89337

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	98 HILLSIDE AVE, MELROSE, MA 02176-3218
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76421-175
Date	Dec 14, 2020
Book Page	76421/175
Instrument	237666

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2052

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MELROSE MA
Recording Date	Sep 23, 2019
Property Address	98 HILLSIDE AVE, MELROSE, MA 02176-3218
Document Number	73326-231
Book / Page	73326 / 231
Instrument Date	Aug 30, 2019
Instrument	144558
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 HILLSIDE AVE, MELROSE, MA 02176-3218

Mortgage

Document Number	144559
Date	Sep 23, 2019
Instrument	144559

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 98 Hillside Ave was $16,543, up 11,975.2% from the year before.

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	$16,543.00 (+11,975.18%)	$1,442,300 (+3.9%) Land $524,500 Building $917,800	$1,641,192 (-0.26%)
2025	$137.00 (-98.98%)	$1,388,100 (+2.31%) Land $496,100 Building $892,000	$1,645,400
2024	$13,473.00 (+1.42%)	$1,356,800 (+6.42%) Land $481,900 Building $874,900
2023	$13,284.00	$1,274,900 Land $467,800 Building $807,100

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

Flood

FEMA maps place 98 Hillside Ave in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	2 in force

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 98 Hillside Ave 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	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 785 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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