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CondominiumResidential
$749,232$407 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026

20 COTTAGE ST

MELROSE, MA 02176
2.5
Baths
1,840 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1890
Year BuiltThe year the home was originally built, according to county records.
3
StoriesHow many floors the home has above ground.

Valuation

$749K
$713K low$785K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,671 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$668,800 (2026)
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$668,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$656,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$622,000

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.48
67
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
51
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
93
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
32
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.28 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.34%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Condominium
CountyMIDDLESEX
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(5)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Lincoln Elementary SchoolA-
Elementary · Grades KG–5 · 0.1 mi
M
Melrose Veterans Memorial Middle SchoolB+
Middle · Grades 6–8 · 0.9 mi
H
Melrose High SchoolA-
High · Grades 9–12 · 0.9 mi

District: Melrose School District

Neighborhood · ZIP 02176These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.84
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.105
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.85

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.34%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.29,986
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.6,427 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$127,610
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$148,943
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.48 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

20 Cottage St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 72% of homes in Melrose 02176
  • Costs less per square foot than 91% of homes in Wyoming
  • Older than 93% of homes in Middlesex County

What homes are worth in Melrose 02176

Each bar is how many homes fall in that price range. The marker is this home.

This home
$338K$1.6M

This home is worth more than 28% of homes in Melrose 02176.

How it measures up in Melrose 02176

The dot is this home. The mark in the middle is the typical home in Melrose 02176.

Estimated value$749,232
CheaperTypical $874,084Pricier

Pricier than 28% of homes nearby

Price per ft²$407
CheaperTypical $481Pricier

Pricier than 16% of homes nearby

Living area1,840 ft²
SmallerTypical 1,885 ft²Bigger

Bigger than 47% of homes nearby

Year built1890
OlderTypical 1926Newer

Newer than 12% of homes nearby

How 20 Cottage St ranks against every home in each area.
MeasureThis homeWyomingMelrose 02176Middlesex County
Estimated valuepricier than$749,23239% of homes28% of homes46% of homes
Price per ft²pricier than$4079% of homes16% of homes35% of homes
Living areabigger than1,840 ft²55% of homes47% of homes50% of homes
Year builtnewer than189015% of homes12% of homes7% of homes

About 20 Cottage St

How much is 20 Cottage St, Melrose, MA worth?

The TopHap Estimate for 20 Cottage St, Melrose, MA is $749,232 as of Oct 21, 2026. The likely range is $713,065 to $785,399. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20 Cottage St, Melrose, MA last sell?

20 Cottage St, Melrose, MA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 20 Cottage St, Melrose, MA?

20 Cottage St, Melrose, MA has 2.5 bathrooms and 1,840 square feet of living space.

When was 20 Cottage St, Melrose, MA built?

20 Cottage St, Melrose, MA was built in 1890, making it 136 years old. The building has 3 stories.

What schools serve 20 Cottage St, Melrose, MA?

20 Cottage St, Melrose, MA is assigned to Lincoln Elementary School (elementary), rated A-; Melrose Veterans Memorial Middle School (middle), rated B+; Melrose High School (high), rated A-. All sit in Melrose School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20 Cottage St, Melrose, MA compare to other homes in Melrose 02176?

Among the 8,581 homes in Melrose 02176, it is worth more than 28% of them ($749,232 against a typical $874,084), its price per square foot is higher than 16% of them ($407 against a typical $481), it is bigger than 47% of them (1,840 ft² against a typical 1,885 ft²) and it is newer than 12% of them (1890 against a typical 1926). Measured against all of Middlesex County, it is worth more than 46% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 20 Cottage St, Melrose, MA?

The 2026 property tax bill for 20 Cottage St, Melrose, MA was $7,671. The county assessed it at $668,800.

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