Middlesex County and Belmont Town property record for 123 Winter St, Belmont, MA 02478
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 1,365 sqft · built 1953 |
| Lot Size | 0.276 acres (12,007 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $1,110,123 (Oct 2020) |
| Tax Bill | $16,333 (2025) |
| Deeds & Mortgages | Mar 2021 Transfer Oct 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | BELM M:69 P:000004 S |
| Primary APN | BELM M:69 P:000004 S |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,365 sqft Living Area |
| 1st Floor Area | 1,365 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Lot Area | 12,007 sqft (0.276 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 123 WINTER ST |
|---|---|
| City | BELMONT |
| State | MA |
| Zip | 02478-1116 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SA |
| Jurisdiction | BELMONT MA |
| Township / Civil Division | BELMONT |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 357800 |
123 Winter St is owner-occupied and held in a trust since March 2021.
Source: Middlesex County and Belmont Town records, as of July 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 123 WINTER ST, BELMONT, MA 02478-1116 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | 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 |
|---|---|
| Mar 18, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Oct 15, 2020 | Quit Claim Deed, Transfer · Conventional Mortgage LEADER BK NA |
| Jun 4, 2020 | Deed of Trust, Mortgage · Line of Credit READING CO-OP BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 15, 2020 · Amount on File |
| Deed Sale | Oct 15, 2020 · Amount on File |
| Prior Sale | Sep 1, 2010 · Amount on File |
| Last Transfer Date | Mar 5, 2021 |
| Transfer Doc | 1873494 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BELMONT MA |
| Recording Date | Mar 18, 2021 |
| Property Address | 123 WINTER ST, BELMONT, MA 02478-1116 |
| Document Number | 1873494 |
| Instrument Date | Mar 5, 2021 |
| Instrument | 1873494 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 123 WINTER ST, BELMONT, MA 02478-1116 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BELMONT MA |
| Recording Date | Oct 15, 2020 |
| Property Address | 123 WINTER ST, BELMONT, MA 02478-1116 |
| Document Number | 0001856578 |
| Instrument Date | Oct 9, 2020 |
| Instrument | 1856578 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,062.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 123 WINTER ST BELMONT MA 024781116, BELMONT, MA 02478-1116 |
| Document Number | 1856579 |
|---|---|
| Date | Oct 15, 2020 |
| Instrument | 1856579 |
| Name | LEADER BK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 14, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELMONT MA |
| Property Address | 123 WINTER ST, BELMONT, MA 02478-1116 |
| Document Number | 0001844227 |
| Instrument Date | Jun 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 123 WINTER ST BELMONT MA 024781116, BELMONT, MA 02478-1116 |
| Document Number | 0001844227 |
|---|---|
| Date | Jun 11, 2020 |
| Instrument | 1844227 |
| Name | READING CO-OP BK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jun 10, 2045 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 123 Winter St was $16,333.
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 | $16,333.00 | $1,434,000 Land $744,000 Building $690,000 | $1,406,760 (+3.95%) |
| 2024 | $1,353,275 | ||
| 2023 | $13,915.00 | $1,238,000 Land $753,000 Building $485,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 123 Winter St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 3 (1985–2021) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 2021 · Tropical Storm Henri |
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 123 Winter 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 | 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 158 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 |
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