1 Hay Rd, Belmont, MA 02478 Property Records

Middlesex County and Belmont Town property record for 1 Hay Rd, Belmont, MA 02478

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,866 sqft · built 1937
Lot Size	0.821 acres (35,780 sqft)
Owner	2 Individual Names on File
Last Sale	$1,660,000 (Aug 2026)
Tax Bill	$19,739 (2025)
Deeds & Mortgages	Aug 2026 Sale Jun 2026 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`BELM M:58 P:000012 S`

Property Details

APN / Parcel Number

Primary APN	`BELM M:58 P:000012 S`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,866 sqft Living Area
Gross Area	8,876 sqft
1st Floor Area	900 sqft
Basement Area	1,408 sqft
Unfinished Basement	1,850 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	35,780 sqft (0.821 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	1 HAY RD
City	BELMONT
State	MA
Zip	02478-1507
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SA
Jurisdiction	BELMONT MA
Township / Civil Division	BELMONT
Census Block Group	1
Census Block	1025
Census Tract	357700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Pleasant Street Historic District listed 1979 · 63 contributing resources · NRIS 79000353

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

1 Hay Rd is owned and occupied by two individuals who bought it in August 2026.

Source: Middlesex County and Belmont Town records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1 HAY RD, BELMONT, MA 02478-1507
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Aug 14, 2026	Quit Claim Deed, Transfer
Jun 11, 2026	Deed of Trust, Mortgage · Line of Credit P N C BANK NA
Nov 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST REPUBLIC BANK
Nov 23, 2020	Deed of Trust, Mortgage · Balloon Mortgage FIRST REPUBLIC BANK
Oct 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2026 · Amount on File
Deed Sale	Aug 14, 2026 · Amount on File
Prior Sale	Jan 5, 2004 · Amount on File
Deed Document Number	2026102691
Deed Book / Page	86014 / 306
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELMONT MA
Recording Date	Aug 14, 2026
Property Address	1 HAY RD, BELMONT, MA 02478-1507
Document Number	0000102691
Book / Page	86014 / 306
Instrument Date	Jul 31, 2026
Instrument	2026102691
Transaction Type	Transfer
Record Updated	Sep 1, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1 HAY RD, BELMONT, MA 02478-1507

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Recording Date	Jun 11, 2026
Property Address	1 HAY RD, BELMONT, MA 02478-1507
Document Number	0000069300
Book / Page	85721 / 122
Instrument Date	Jun 5, 2026
Instrument	202669300
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 HAY RD, BELMONT, MA 02478-1507
Investor	Possibly a Property Investor

Mortgage

Document Number	085721-122,
Date	Jun 11, 2026
Book Page	85721/122
Instrument	202669300

Lender

Name	P N C BANK NA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Jul 1, 2066

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	1 HAY RD, BELMONT, MA 02478-1507
Transaction Type	Mortgage
Record Updated	Mar 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76241-567
Date	Nov 23, 2020
Book Page	76241/567
Instrument	220887

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2035

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	1 HAY RD, BELMONT, MA 02478-1507
Transaction Type	Mortgage
Record Updated	Mar 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76241-585
Date	Nov 23, 2020
Book Page	76241/585
Instrument	220888

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	301 Months
Due	Dec 1, 2045

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	1 HAY RD, BELMONT, MA 02478-1507
Document Number	73517-480
Instrument Date	Oct 1, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 HAY RD BELMONT MA 024781507, BELMONT, MA 02478-1507

Mortgage

Document Number	73517-480
Date	Oct 24, 2019
Book Page	073517/000480
Instrument	164535

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Oct 23, 2029

Tax Assessment & Valuation

The 2025 property tax bill for 1 Hay Rd was $19,739.

Source: Middlesex County and Belmont Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Belmont Town
Unified School District	Belmont School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$19,739.00	$1,733,000 Land $1,134,000 Building $599,000	$1,611,485 (-8.68%)
2024			$1,764,720
2023	$20,446.00	$1,819,000 Land $1,078,000 Building $741,000

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

Flood

FEMA maps place 1 Hay Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.

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	5 in force
Nearby Flood Claims	2 (1996–2019)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 2019 · rainfall accumulation

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 1 Hay Rd 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	BELMONT WATER DEPT. (MWRA) serves 27,442 people · EPA ID MA3026000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jul 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 419 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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