116 Cross St, Belmont, MA 02478 Property Records

Middlesex County and Belmont Town property record for 116 Cross St, Belmont, MA 02478

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,519 sqft · built 1939
Lot Size	0.173 acres (7,530 sqft)
Owner	Individual Name on File
Last Sale	$875,000 (Oct 2019)
Tax Bill	$11,048 (2025)
Deeds & Mortgages	Aug 2024 Mortgage Feb 2021 Refinance + 5 more
Flood Zone	Zone X (minimal risk)
APN	`BELM M:43 P:000100 S`

Property Details

APN / Parcel Number

Primary APN	`BELM M:43 P:000100 S`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,519 sqft Living Area
1st Floor Area	744 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,530 sqft (0.173 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	116 CROSS ST
City	BELMONT
State	MA
Zip	02478-3154
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SC
Jurisdiction	BELMONT MA
Township / Civil Division	BELMONT
Census Block Group	4
Census Block	4004
Census Tract	357100

Owner

116 Cross St is owned and occupied by an individual who acquired it in May 2020.

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

Owner of Record	Individual Name on File
Mailing Address	116 CROSS ST, BELMONT, MA 02478-3154
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
Aug 2, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) MIT FCU
Feb 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Jul 25, 2018	Deed of Trust, Mortgage · Line of Credit BELMONT SAVINGS BANK
May 21, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 25, 2019	Quit Claim Deed, Transfer GUARANTEED RATE
Jul 12, 2018	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 10, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2019 · Amount on File
Deed Sale	Oct 25, 2019 · Amount on File
Deed Document Number	2019165791
Deed Book / Page	73530 / 67
Last Transfer Date	May 19, 2020
Transfer Doc	74724-513
Record Updated	Oct 29, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	116 CROSS ST, BELMONT, MA 02478-3154
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	083088-208
Date	Aug 2, 2024
Book Page	83088/208
Instrument	86585

Lender

Name	MIT FCU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2044

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	116 CROSS ST, BELMONT, MA 02478-3154
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077049-343
Date	Feb 24, 2021
Book Page	77049/343
Instrument	41138

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	116 CROSS ST, BELMONT, MA 02478-3154
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	71368-449
Date	Jul 25, 2018
Book Page	71368/449
Instrument	111594

Lender

Name	BELMONT SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jul 1, 2038

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELMONT MA
Recording Date	May 21, 2020
Property Address	116 CROSS ST, BELMONT, MA 02478-3154
Document Number	74724-513
Book / Page	074724 / 000513
Instrument Date	May 19, 2020
Instrument	77597
Transaction Type	Transfer
Record Updated	Jun 9, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	116 CROSS ST BELMONT MA 024783154, BELMONT, MA 02478-3154

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELMONT MA
Recording Date	Oct 25, 2019
Property Address	116 CROSS ST, BELMONT, MA 02478-3154
Document Number	73530-67
Book / Page	073530 / 000067
Instrument Date	Oct 16, 2019
Instrument	165791
Transaction Type	Transfer
Record Updated	Nov 12, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,990.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 CROSS ST BELMONT MA 024783154, BELMONT, MA 02478-3154

Mortgage

Document Number	73530-70
Date	Oct 25, 2019
Book Page	073530/000070
Instrument	165792

Lender

Name	GUARANTEED RATE

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 24, 2049

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELMONT MA
Recording Date	Jul 12, 2018
Property Address	116 CROSS ST, BELMONT, MA 02478-3154
Document Number	71307-180
Book / Page	071307 / 000180
Instrument Date	May 2, 2018
Instrument	103775
Transaction Type	Transfer
Record Updated	Jul 31, 2018
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 CROSS ST BELMONT MA 024783154, BELMONT, MA 02478-3154

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELMONT MA
Recording Date	Jul 10, 2017
Property Address	116 CROSS ST, BELMONT, MA 02478-3154
Document Number	69577-325
Book / Page	069577 / 000325
Instrument Date	Jun 22, 2017
Instrument	106608
Transaction Type	Transfer
Record Updated	Aug 1, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	36 TOBIN HILL DR SHREWSBURY MA 01545, SHREWSBURY, MA 01545

Tax Assessment & Valuation

The 2025 property tax bill for 116 Cross St was $11,048.

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	$11,048.00	$970,000 Land $625,000 Building $345,000	$1,307,105 (+11.04%)
2024			$1,177,145
2023	$11,071.00	$985,000 Land $735,000 Building $250,000

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

Flood

FEMA maps place 116 Cross St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2001.

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	4 in force
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

The area around 116 Cross 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	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 727 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	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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