Middlesex County and Belmont Town property record for 12 Ridge Rd, Belmont, MA 02478
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 1,564 sqft · built 1900 |
| Lot Size | 0.08 acres (3,496 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $985,000 (Oct 2018) |
| Tax Bill | $13,577 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Oct 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | BELM M:15 P:000129 S |
| Primary APN | BELM M:15 P:000129 S |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,564 sqft Living Area |
| Gross Area | 5,332 sqft |
| 1st Floor Area | 782 sqft |
| Basement Area | 1,169 sqft |
| Unfinished Basement | 1,169 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,496 sqft (0.08 acres) |
| Parking Spaces | 1 Parking Space |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 12 RIDGE RD |
|---|---|
| City | BELMONT |
| State | MA |
| Zip | 02478-1245 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Jurisdiction | BELMONT MA |
| Township / Civil Division | BELMONT |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 357600 |
12 Ridge Rd is owned and occupied by two individuals who bought it in October 2018.
Source: Middlesex County and Belmont Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12 RIDGE RD, BELMONT, MA 02478-1245 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 7, 2020 | Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA |
| Oct 22, 2018 | Quit Claim Deed, Transfer WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 22, 2018 · Amount on File |
| Deed Sale | Oct 22, 2018 · Amount on File |
| Prior Sale | Mar 26, 2004 · Amount on File |
| Deed Book / Page | 71777 / 169 |
| Transfer Doc | 071777-169 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELMONT MA |
| Property Address | 12 RIDGE RD, BELMONT, MA 02478-1245 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 76359-497 |
|---|---|
| Date | Dec 7, 2020 |
| Book Page | 76359/497 |
| Instrument | 231691 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Type Change Date | Dec 1, 2027 |
| Index | 1-Year CMT |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BELMONT MA |
| Recording Date | Oct 22, 2018 |
| Property Address | 12 RIDGE RD, BELMONT, MA 02478-1245 |
| Document Number | 71777-169 |
| Book / Page | 71777 / 169 |
| Instrument | 162223 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $77.52 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 717770172 |
|---|---|
| Date | Oct 22, 2018 |
| Instrument | 71777/0172 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 22, 2048 |
The 2025 property tax bill for 12 Ridge Rd was $13,577.
Source: Middlesex County and Belmont Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Belmont Town |
| Unified School District | Belmont School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $13,577.00 | $1,192,000 Land $539,000 Building $653,000 | $1,324,490 (+5.91%) |
| 2024 | $1,250,580 | ||
| 2023 | $12,937.00 | $1,151,000 Land $674,000 Building $477,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Ridge Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.
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 | 1 in force |
| Nearby Flood Claims | 1 (1978) |
| Most Recent Claim | Jan 1978 · tidal / storm surge |
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.
The area around 12 Ridge Rd 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 856 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 |
| Astound Broadband Cable | 1,500 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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