109 Gray St, Arlington, MA 02476 Property Records

Middlesex County and Arlington Town property record for 109 Gray St, Arlington, MA 02476

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,107 sqft · built 1927
Lot Size	0.138 acres (6,016 sqft)
Owner	2 Individual Names on File
Last Sale	$1,575,000 (Dec 2024)
Tax Bill	$12,184 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Apr 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`86034`

Property Details

APN / Parcel Number

Primary APN	`86034`
Alternative APN	`ARLI M:133.0 B:0009 L:0008`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,107 sqft Living Area
Gross Area	3,206 sqft
Basement Area	999 sqft
Unfinished Basement	699 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1959
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	6,016 sqft (0.138 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	86034
Street Address	109 GRAY ST
City	ARLINGTON
State	MA
Zip	02476-6334
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	9
Legal Lot Number	8
Jurisdiction	ARLINGTON MA
Township / Civil Division	ARLINGTON
Census Block Group	3
Census Block	3012
Census Tract	356704

Owner

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

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

Owner of Record	2 Individual Names on File
Mailing Address	109 GRAY ST, ARLINGTON, MA 02476-6334
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNIBANK FOR SAVINGS
Apr 13, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 11, 2024 · Amount on Record
Deed Sale	Dec 11, 2024 · Amount on Record
Prior Sale	Aug 20, 2020 · Amount on Record
Deed Document Number	2024141740
Deed Book / Page	83572 / 518
Record Updated	Sep 20, 2026

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ARLINGTON MA
Recording Date	Aug 20, 2020
Property Address	109 GRAY ST, ARLINGTON, MA 02476-6334
Document Number	75414-298
Book / Page	75414 / 298
Instrument Date	Aug 17, 2020
Instrument	142736
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Relationship	Tenants by the Entirety
Address	109 GRAY ST, ARLINGTON, MA 02476-6334

Mortgage

Document Number	142737
Date	Aug 20, 2020
Instrument	142737

Lender

Name	UNIBANK FOR SAVINGS
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARLINGTON MA
Property Address	109 GRAY ST, ARLINGTON, MA 02476-6334
Document Number	69203-576
Book / Page	069203 / 000576
Instrument Date	Apr 13, 2017
Transaction Type	Mortgage
Record Updated	May 16, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust

Mortgage

Document Number	69203-576
Date	Apr 28, 2017
Book Page	069203/000576
Instrument	62072

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,184.00 (+6.7%)	$1,131,300 (+4.92%) Land $660,500 Building $470,800	$1,487,510 (+2.47%)
2024	$11,419.00 (+3.25%)	$1,078,300 (+9.29%) Land $636,400 Building $441,900	$1,451,695
2023	$11,060.00	$986,600 Land $582,400 Building $404,200

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ARLINGTON WATER DEPT. (MWRA) serves 46,308 people · EPA ID MA3010000
Water Source	Purchased surface water from MWRA
Last State Inspection	Aug 2023
Lead	3 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	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 522 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 / 250
Radiate Holdings Cable	1,500 / 50

May also be available: T-Mobile USA.

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