98 Mount Vernon Ave, Melrose, MA 02176 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,152 sqft · built 1963
Lot Size	0.101 acres (4,421 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Jul 2013)
Tax Bill	$7,433 (2026)
Deeds & Mortgages	Dec 2023 Line of Credit Feb 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MELR M:0C5 P:0000060`

Property Details

APN / Parcel Number

Primary APN	`MELR M:0C5 P:0000060`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,152 sqft Living Area
Gross Area	2,080 sqft
Basement Area	576 sqft
Unfinished Basement	576 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,421 sqft (0.101 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	98 MOUNT VERNON AVE
City	MELROSE
State	MA
Zip	02176-5209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URB
Jurisdiction	MELROSE MA
Township / Civil Division	MELROSE
Census Block Group	2
Census Block	2010
Census Tract	336404

Owner

Source: Middlesex County and Melrose City 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	2 Individual Names on Record
Mailing Address	98 MOUNT VERNON AVE, MELROSE, MA 02176-5209
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2023	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Feb 28, 2017	Deed of Trust, Mortgage MELROSE COOPERATIVE BANK
Dec 22, 2020	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2013 · Amount on Record
Deed Sale	Jul 2, 2013 · Amount on Record
Prior Sale	Jul 2, 2013 · Amount on Record
Deed Book / Page	62170 / 268
Transfer Doc	062170-268
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	98 MOUNT VERNON AVE, MELROSE, MA 02176-5209
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	082345-574
Date	Dec 27, 2023
Book Page	82345/574
Instrument	147092

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	98 MOUNT VERNON AVE, MELROSE, MA 02176-5209
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	68947-442
Date	Feb 28, 2017
Book Page	68947/442
Instrument	30833

Lender

Name	MELROSE COOPERATIVE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Feb 1, 2042

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MELROSE MA
Property Address	98 MOUNT VERNON AVE, MELROSE, MA 02176-5209
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76498-576
Date	Dec 22, 2020
Book Page	76498/576
Instrument	244864

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

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
2026	$7,433.00 (+11,698.41%)	$648,000 (+0.95%) Land $395,000 Building $253,000	$676,331 (+15.48%)
2025	$63.00 (-98.97%)	$641,900 (+4.14%) Land $395,000 Building $246,900	$585,675
2024	$6,121.00 (+3.33%)	$616,400 (+8.43%) Land $369,500 Building $246,900
2023	$5,924.00	$568,500 Land $344,100 Building $224,400

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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