109 Beech St, Belmont, MA 02478 Property Records

Middlesex County and Belmont Town property record for 109 Beech St, Belmont, MA 02478

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,306 sqft · built 1915
Lot Size	0.078 acres (3,400 sqft)
Owner	Individual Name on Record
Last Sale	$895,000 (Sep 2020)
Tax Bill	$11,185 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Feb 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`BELM M:14 P:000130 S`

Property Details

APN / Parcel Number

Primary APN	`BELM M:14 P:000130 S`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,306 sqft Living Area
1st Floor Area	1,129 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	3,400 sqft (0.078 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	109 BEECH ST
City	BELMONT
State	MA
Zip	02478-1811
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R
Jurisdiction	BELMONT MA
Township / Civil Division	BELMONT
Census Block Group	1
Census Block	1000
Census Tract	357600

Owner

Source: Middlesex County and Belmont Town records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	109 BEECH ST, BELMONT, MA 02478-1811
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage EMBRACE HOME LOANS INC
Feb 16, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2020 · Amount on Record
Deed Sale	Sep 14, 2020 · Amount on Record
Prior Sale	Feb 16, 2017
Deed Document Number	2020161219
Deed Book / Page	75610 / 214
Prior Transfer Date	Sep 9, 2020
Prior Transfer Doc	75610-214
Record Updated	Oct 29, 2026

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELMONT MA
Recording Date	Sep 14, 2020
Property Address	109 BEECH ST, BELMONT, MA 02478-1811
Document Number	75610-214
Book / Page	75610 / 214
Instrument Date	Sep 9, 2020
Instrument	161219
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	109 BEECH ST, BELMONT, MA 02478-1811

Mortgage

Document Number	161220
Date	Sep 14, 2020
Instrument	161220

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELMONT MA
Recording Date	Feb 16, 2017
Property Address	109 BEECH ST, BELMONT, MA 02478-1811
Document Number	68902-157
Book / Page	068902 / 000157
Instrument Date	Feb 15, 2017
Instrument	25295
Transaction Type	Transfer
Record Updated	Mar 7, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	79 OAK AVE BELMONT MA 024782714, BELMONT, MA 02478-2714

Tax Assessment & Valuation

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	$11,185.00 (+7.81%)	$982,000 (+6.39%) Land $482,000 Building $500,000	$1,041,440
2023	$10,375.00	$923,000 Land $602,000 Building $321,000

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

Flood

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 Claims	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2001 · Severe Storms And Flooding

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

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 1,029 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: Astound Broadband, AT&T.

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