Middlesex County and Waltham City property record for 120 Summit St, Waltham, MA 02451
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,736 sqft · built 2013 |
| Lot Size | 0.129 acres (5,637 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $11,877 (2026) |
| Deeds & Mortgages | Jun 2026 Transfer Jun 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 212040 |
| Primary APN | 212040 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,736 sqft Living Area |
| Gross Area | 4,632 sqft |
| Basement Area | 1,096 sqft |
| Unfinished Basement | 1,096 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,637 sqft (0.129 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 212040 |
|---|---|
| Street Address | 120 SUMMIT ST |
| City | WALTHAM |
| State | MA |
| Zip | 02451-2974 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 4 |
| Legal Lot Number | 2A |
| Jurisdiction | WALTHAM MA |
| Township / Civil Division | WALTHAM |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 368200 |
120 Summit St is owner-occupied and held in a trust since June 2026.
Source: Middlesex County and Waltham City records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 120 SUMMIT ST, WALTHAM, MA 02451-2974 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
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 |
|---|---|
| Jun 18, 2026 | Quit Claim Deed, Transfer Quitclaim |
| Jun 7, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance HOME POINT FINANCIAL CORPORATION |
| Oct 27, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance HOME POINT FINANCIAL CORPORATION |
| Apr 22, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance ARC HOME LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 18, 2026 |
| Transfer Doc | 0000073766 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WALTHAM MA |
| Recording Date | Jun 18, 2026 |
| Property Address | 120 SUMMIT ST, WALTHAM, MA 02451-2974 |
| Document Number | 0000073766 |
| Book / Page | 85759 / 527 |
| Instrument Date | Jun 18, 2026 |
| Instrument | 202673766 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 120 SUMMIT ST, WALTHAM, MA 02451-2974 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTHAM MA |
| Property Address | 120 SUMMIT ST, WALTHAM, MA 02451-2974 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 077956-119 |
|---|---|
| Date | Jun 7, 2021 |
| Book Page | 77956/119 |
| Instrument | 128412 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTHAM MA |
| Property Address | 120 SUMMIT ST, WALTHAM, MA 02451-2974 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 79010-25 |
|---|---|
| Date | Oct 27, 2021 |
| Book Page | 79010/25 |
| Instrument | 235707 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTHAM MA |
| Property Address | 120 SUMMIT ST, WALTHAM, MA 02451-2974 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74519-462 |
|---|---|
| Date | Apr 22, 2020 |
| Book Page | 74519/462 |
| Instrument | 59360 |
| Name | ARC HOME LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2035 |
The 2026 property tax bill for 120 Summit St was $11,877, up 3.6% from the year before.
Source: Middlesex County and Waltham City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Waltham City |
| Unified School District | Waltham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $11,877.00 (+3.58%) | $1,150,900 (-1.43%) Land $404,100 Building $746,800 | $1,203,419 (+14.65%) |
| 2025 | $11,466.00 (+2.56%) | $1,167,600 (+0.68%) Land $384,900 Building $782,700 | $1,049,655 (-17.81%) |
| 2024 | $11,180.00 (+0.73%) | $1,159,700 (+7.83%) Land $384,900 Building $774,800 | $1,277,180 |
| 2023 | $11,099.00 | $1,075,500 Land $349,200 Building $726,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 120 Summit St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1979.
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 | 8 (1979–2010) |
| Claims Outside the SFHA | 3 of 8 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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 120 Summit 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WALTHAM WATER DEPARTMENT serves 65,218 people · EPA ID MA3308000 |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Jun 2024 |
| 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 265 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 |
| Astound Broadband Cable | 1,500 / 50 |
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