20 Winter St., Melrose MA 02176 - Preview 1 20 Winter St., Melrose MA 02176 - Preview 2 20 Winter St., Melrose MA 02176 - Preview 3 20 Winter St., Melrose MA 02176 - Preview 4 20 Winter St., Melrose MA 02176 - Preview 5 20 Winter St., Melrose MA 02176 - Preview 6 20 Winter St., Melrose MA 02176 - Preview 7 20 Winter St., Melrose MA 02176 - Preview 8 20 Winter St., Melrose MA 02176 - Preview 9 20 Winter St., Melrose MA 02176 - Preview 10
20 Winter St., Melrose MA 02176 - Preview 1 20 Winter St., Melrose MA 02176 - Preview 2 20 Winter St., Melrose MA 02176 - Preview 3 20 Winter St., Melrose MA 02176 - Preview 4 20 Winter St., Melrose MA 02176 - Preview 5 20 Winter St., Melrose MA 02176 - Preview 6 20 Winter St., Melrose MA 02176 - Preview 7 20 Winter St., Melrose MA 02176 - Preview 8 20 Winter St., Melrose MA 02176 - Preview 9 20 Winter St., Melrose MA 02176 - Preview 10

20 Winter St., Melrose MA 02176

Melrose, MA 02176
$650,000
Est. $3,487/month
Estimate assumptions

20% down, a 30-year loan at 6.5%, and $200/month estimated insurance.

Includes the supplied property-tax and HOA inputs; missing inputs contribute $0. HOA fees with an unspecified frequency are treated as monthly. PMI and closing costs are excluded.

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0.17
Acres
Residential
Type
New today
Time on Market
For Sale Listed Nov 1, 2026 • MLS# 73597371 Copied! • Updated Nov 1, 2026

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About this home

A rare opportunity to build in downtown Melrose! Set on a quiet side street just off Main Street, this location offers easy access to local shops, cafés, restaurants, and public transportation just 11 miles from downtown Boston. Based on the zoning review, potential configurations include a two-family dwelling by right or a single-family home with an accessory dwelling unit (ADU). Located in the URB district, the lot exceeds the minimum area and frontage requirements for a qualifying residential lot of record under Melrose Zoning Ordinance § 235-12.3.4. Public water, sewer, gas, and electricity are available in Winter Street, with connections subject to verification and approval. Bring your plans and create a new home or investment property in this convenient downtown setting. Buyers and their agents to verify buildability, permitted uses, utility connections, and all applicable development requirements.

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Recently Sold Nearby

Price & Status History

Property Timeline

🏠
Listed for Sale
Nov 1, 2026
$650,000
Original listing
Agent: Kiernan Middleman Office: Berkshire Hathaway HomeServices Warren Residential

Tax History

Year Taxes Assessment
2026 $0 $0

Financial Details

Annual Property Tax
$0
Tax Year 2026
Assessed Value
$0

Facts & Features

Home Facts

Type Land
Style Residential
Lot Size 0.17 acres

Exterior

Construction None
Architecture None
Roof None
Features None
Pool None
Spa None
Fencing None
Patio/Porch None

Utilities

Electric At Street
Water Public
Sewer Public Sewer, At Street
Gas At Street
Other None
Annual Tax 0.00
Assessed Value 0.00
Seller Disclosures All Terms May Be Subject To Final Approval Of The Massachusetts Land Court In The Matter Of Louis P. Izzi, Trustee Of The 18-20 Winter Street Realty Trust V. James J. Kantaros, Docket #26misc000289 (stf), And/or Any Commissioner Appointed By Said Court In Connection With Such Matter.
Possession None
Accepted Financing None
Structure Type []
Documents Recorded Plat, Aerial Photo (2)
County Middlesex

Property Overview

Property Type
Residential
Listing Type
For Sale

Floor Layout

Interior Features

Flooring:
Appliances:
Interior Features:
Windows:
Basement:
Laundry:
Security:

Construction & Materials

Structure Type:
Exterior Materials:
Roof:
Foundation:

Utilities & Systems

Heating:
Cooling:
Hot Water:
Water Source: Public
Sewer: Public Sewer, At Street
Energy Features:

Exterior & Lot

Exterior Features:
Patio & Porch:
Fencing:
Other Structures:
Lot Features: Gentle Sloping, Sidewalks
Road Frontage: 57.00 ft
Road Surface:

Parking & Garage

Parking Features:
School District
Melrose School District local
A
✓ School Safety 2024-25
0.6% Low
0.4% Suspensions 0.4% In-School 0.2% Emergency
↓ 4.9% below state avg
E

Elementary Schools

7 schools
St. Mary Elementary School
0.4 mi
Grades PK-08
A+
Winthrop School
0.5 mi | #79 of 825 | Score: 60.3
Improved 11 spots from last year
+2.1 above state avg
372 students Less Diverse
Strong Attendance
Grades K-05
A-
Lincoln School
0.6 mi | #205 of 825 | Score: 54.6
Improved 119 spots from last year
-3.6 below state avg
387 students Diverse
Rising School Diverse Student Body Strong Attendance
Grades K-05
Early Childhood Center
0.7 mi
247 students Diverse
Grades PK-K
A-
Herbert Clark Hoover School
0.7 mi | #204 of 825 | Score: 54.6
Dropped 74 spots from last year
-3.6 below state avg
266 students Moderate
Strong Attendance
Grades K-05
A
Roosevelt School
0.8 mi | #107 of 825 | Score: 58.8
Improved 117 spots from last year
+0.6 above state avg
366 students Moderate
Rising School Strong Attendance
Grades K-05
A+
Horace Mann School
0.9 mi | #74 of 825 | Score: 60.6
Dropped 68 spots from last year
+2.3 above state avg
258 students Moderate
Strong Attendance
Grades K-05
M

Middle Schools

1 school
A-
Melrose Middle School
0.6 mi | #89 of 352 | Score: 50.7
Improved 9 spots from last year
-7.5 below state avg
830 students Moderate
Grades 06-08
Learn about these ratings
School data provided by BMN Schools

Monthly Payment Calculator

Monthly Payment
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Principal, interest, taxes & insurance
Loan Amount
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After down payment
Total Interest
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Over life of loan
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Including down payment
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Down: $0
%

Monthly Payment Breakdown

Principal & Interest $0
Property Tax $0
Homeowners Insurance $200
PMI (if <20% down) $0

Loan Summary

Total of 360 payments $0
Total principal paid $0
Total interest paid $0

Rate Impact

-0.5% Rate
$0/mo
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Current Rate
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+0.5% Rate
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Cost $0/mo

Payment Over Time

Interest
Principal
Year 1
95% Interest
Year 15
50/50
Year 30
95% Principal
* Estimates only. Actual payments may vary. Consult with a lender for accurate figures.

Location

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Neighborhood

20 Winter St., Melrose MA 02176

Melrose, MA 02176

Listing Information

Listing Agent Kiernan Middleman
Listing Office Berkshire Hathaway HomeServices Warren Residential
Office Phone 617-848-9616
Agent MLS ID M8000871
Office MLS ID AN2213
Listing Data Updated Nov 1, 2026 9:41 AM EST
Listing information is deemed reliable but not guaranteed. Data provided by MLS Property Information Network, Inc. All information should be independently verified.

Contact Us

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(617) 955-2224 contact@bmnboston.com
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