1 Jay St, Cambridge, MA 02139 Property Records

Middlesex County and Cambridge City property record for 1 Jay St, Cambridge, MA 02139

Property Summary

Property Type	Triplex
Details	5 bd · 4 ba · 3,044 sqft · built 1902
Lot Size	0.049 acres (2,118 sqft)
Owner	Company Name on File
Last Sale	$1,945,000 (Feb 2026)
Tax Bill	$9,697 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Feb 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`125-11`

Property Details

APN / Parcel Number

Primary APN	`125-11`
Alternative APN	`CAMB M:00125 L:00011`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	11 Rooms
Units	6 Units
Stories	3 Stories
Building Area	3,044 sqft Living Area
Gross Area	3,768 sqft
1st Floor Area	1,345 sqft
Basement Area	704 sqft
Unfinished Basement	704 sqft

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1902
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Type	Mansard
Roof Material	Slate
Lot Area	2,118 sqft (0.049 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	1 JAY ST
City	CAMBRIDGE
State	MA
Zip	02139-3877
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	BA-3
Legal Lot Number	11
Jurisdiction	CAMBRIDGE MA
Township / Civil Division	CAMBRIDGE
Census Block Group	1
Census Block	1004
Census Tract	359400

Owner

1 Jay St, a triplex, is owned by a company that bought it in February 2026.

Source: Middlesex County and Cambridge City records, as of July 13, 2026

Owner of Record	Company Name on File
Mailing Address	101 ACCESS RD, 200, NORWOOD, MA 02062-5251
Owner Type	Company
Vesting	Company

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
Nov 2, 2022	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Feb 2, 2026	Quit Claim Deed, Transfer · Commercial Mortgage FRC VTX ASSETS LLC
Aug 19, 2019	Deed of Trust, Mortgage · Balloon Mortgage EAST BOSTON SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2026 · Amount on File
Deed Sale	Feb 2, 2026 · Amount on File
Prior Sale	Aug 4, 2011 · Amount on File
Deed Book / Page	85183 / 206
Prior Transfer Date	Jan 30, 2026
Prior Transfer Doc	085183-206
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIDGE MA
Property Address	1 JAY ST, CAMBRIDGE, MA 02139-3877
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080904-93
Date	Nov 2, 2022
Book Page	80904/93
Instrument	163216

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAMBRIDGE MA
Recording Date	Feb 2, 2026
Property Address	1 JAY ST, CAMBRIDGE, MA 02139-3877
Document Number	085183-206
Book / Page	85183 / 206
Instrument Date	Jan 30, 2026
Instrument	11472
Transaction Type	Transfer
Record Updated	Mar 6, 2026

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	101 ACCESS RD STE 200, 200, NORWOOD, MA 02062-5251

Mortgage

Document Number	0000011473
Date	Feb 2, 2026
Instrument	11473

Lender

Name	FRC VTX ASSETS LLC

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIDGE MA
Property Address	1 JAY ST, CAMBRIDGE, MA 02139-3877
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73133-47
Date	Aug 19, 2019
Book Page	73133/47
Instrument	123158

Lender

Name	EAST BOSTON SAVINGS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1 Jay St was $9,697, up 5.7% from the year before.

Source: Middlesex County and Cambridge City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Cambridge City
Unified School District	Cambridge School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$9,697.00 (+5.71%)	$1,527,100 (-1.45%) Land $678,900 Building $848,200
2024	$9,173.00	$1,549,500 Land $732,500 Building $817,000

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 1 Jay St 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	4 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 1 Jay St 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	CAMBRIDGE WATER DEPARTMENT serves 118,214 people · EPA ID MA3049000
Water Source	Surface water
Last State Inspection	Jun 2023
Lead	8 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 910 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Starry.

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