122 Central St, Somerville, MA 02145 Property Records

Middlesex County and Somerville City property record for 122 Central St, Somerville, MA 02145

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,254 sqft · built 1985
Lot Size	0.13 acres (5,683 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,075,000 (Jan 2020)
Tax Bill	$12,675 (2026)
Deeds & Mortgages	Sep 2019 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`49-G-11`

Property Details

APN / Parcel Number

Primary APN	`49-G-11`
Alternative APNs	`SOME M:49 B:G L:11` `10324`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,254 sqft Living Area
Gross Area	2,770 sqft
Basement Area	72 sqft
Unfinished Basement	72 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,683 sqft (0.13 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	10324
Street Address	122 CENTRAL ST
City	SOMERVILLE
State	MA
Zip	02145-3705
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	NR
Legal Block	G
Legal Lot Number	11
Jurisdiction	SOMERVILLE MA
Township / Civil Division	SOMERVILLE
Census Block Group	1
Census Block	1008
Census Tract	350202

Owner

Source: Middlesex County and Somerville City 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	2 Individual Names on Record
Mailing Address	122 CENTRAL ST, SOMERVILLE, MA 02145-3705
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2019	Deed of Trust, Mortgage · ARM FIRST REPUBLIC BANK
Jan 28, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK OF RHODE ISLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2020 · Amount on Record
Deed Sale	Jan 28, 2020 · Amount on Record
Prior Sale	Dec 21, 2015 · Amount on Record
Deed Document Number	202013469
Deed Book / Page	74051 / 526
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERVILLE MA
Property Address	122 CENTRAL ST, SOMERVILLE, MA 02145-3705
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73248-64
Date	Sep 9, 2019
Book Page	73248/64
Instrument	135936

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Type Change Date	Dec 1, 2024

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SOMERVILLE MA
Recording Date	Jan 28, 2020
Property Address	122 CENTRAL ST, SOMERVILLE, MA 02145-3705
Document Number	74051-526
Book / Page	74051 / 526
Instrument Date	Jan 28, 2020
Instrument	13469
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
Relationship	Joint Tenants with Right of Survivorship
Address	122 CENTRAL ST, SOMERVILLE, MA 02145-3705

Mortgage

Document Number	13470
Date	Jan 28, 2020
Instrument	13470

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Middlesex County and Somerville City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Somerville City
Unified School District	Somerville School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,675.00 (+4.41%)	$1,154,400 (+3.75%) Land $595,200 Building $559,200	$1,154,698
2025	$12,140.00 (+6.69%)	$1,112,700 (+2.87%) Land $566,800 Building $545,900
2024	$11,379.00 (+2.58%)	$1,081,700 (+0.83%) Land $566,800 Building $514,900
2023	$11,093.00	$1,072,800 Land $566,800 Building $506,000

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

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	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	SOMERVILLE WATER DEPT. (MWRA) serves 81,045 people · EPA ID MA3274000
Water Source	Purchased surface water from MWRA
Last State Inspection	Oct 2025
Lead	4 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement currently in violation since Nov 2019
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 1,215 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless · Fiber in parts of the area	1,000 / 75
Netafy Fixed Wireless	641 / 143
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Starry.

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