105 Central St, Somerville, MA 02143 Property Records

Middlesex County and Somerville City property record for 105 Central St, Somerville, MA 02143

Property Summary

Property Type	Duplex
Details	7 bd · 2 ba · 3,957 sqft · built 1900
Lot Size	0.103 acres (4,488 sqft)
Owner	Individual Name on File
Last Sale	$1,228,500 (Dec 2025)
Tax Bill	$13,893 (2025)
Deeds & Mortgages	Jul 2025 Line of Credit Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`50-H-1`

Property Details

APN / Parcel Number

Primary APN	`50-H-1`
Alternative APNs	`SOME M:50 B:H L:1` `9330200`

Interior

Bedrooms	7 Beds
Full Baths	2 Baths
Total Rooms	14 Rooms
Units	2 Units
Stories	3 Stories
Building Area	3,957 sqft Living Area
Gross Area	6,194 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	4,488 sqft (0.103 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	9330200
Street Address	105 CENTRAL ST
City	SOMERVILLE
State	MA
Zip	02143-1221
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	NR
Legal Block	H
Legal Lot Number	1
Jurisdiction	SOMERVILLE MA
Township / Civil Division	SOMERVILLE
Census Block Group	3
Census Block	3004
Census Tract	351101

Owner

105 Central St, a duplex, is owned and occupied by an individual who bought it in December 2025.

Source: Middlesex County and Somerville City records, as of April 14, 2026

Owner of Record	Individual Name on File
Mailing Address	105 CENTRAL ST, SOMERVILLE, MA 02143-1221
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Jul 7, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Dec 30, 2025	Quit Claim Deed, Transfer · Conventional Mortgage M & T BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2025 · Amount on File
Deed Sale	Dec 30, 2025 · Amount on File
Deed Book / Page	85072 / 27
Prior Transfer Date	Oct 23, 2023
Prior Transfer Doc	083280-509
Record Updated	Jun 8, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERVILLE MA
Property Address	105 CENTRAL ST, SOMERVILLE, MA 02143-1221
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084322-430
Date	Jul 7, 2025
Book Page	84322/430
Instrument	77976

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SOMERVILLE MA
Recording Date	Dec 30, 2025
Property Address	105 CENTRAL ST, SOMERVILLE, MA 02143-1221
Document Number	0085072-27
Book / Page	85072 / 27
Instrument Date	Dec 30, 2025
Instrument	160536
Transaction Type	Transfer
Record Updated	Mar 13, 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	105 CENTRAL ST, SOMERVILLE, MA 02143-1221

Mortgage

Document Number	0000160539
Date	Dec 30, 2025
Instrument	160539

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Type Change Date	Jan 1, 2031
Index	Other
Margin	3

Tax Assessment & Valuation

The 2025 property tax bill for 105 Central St was $13,893, up 4.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$13,893.00 (+4.83%)	$1,273,400 (+1.08%) Land $509,500 Building $763,900
2024	$13,253.00 (+6.05%)	$1,259,800 (+4.24%) Land $509,500 Building $750,300
2023	$12,497.00	$1,208,600 Land $509,500 Building $699,100

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

Flood

FEMA maps place 105 Central St in Zone X, an area of minimal flood risk.

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

The area around 105 Central 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	SOMERVILLE WATER DEPT. (MWRA) serves 81,045 people · EPA ID MA3274000
Water Source	Purchased surface water from MWRA
Last State Inspection	Oct 2025
Lead	4 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 2019
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 1,215 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless · Fiber in parts of the area	1,000 / 75
Netafy Fixed Wireless	641 / 143
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Starry.

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