128 School St, Belmont, MA 02478 Property Records

Middlesex County and Belmont Town property record for 128 School St, Belmont, MA 02478

Property Summary

Property Type	Single Family Home
Details	7 bd · 2 ba · 2,987 sqft · built 1911
Lot Size	0.217 acres (9,459 sqft)
Owner	Individual Name on File
Last Sale	$1,610,000 (Oct 2021)
Tax Bill	$21,185 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BELM M:23 P:000113 S`

Property Details

APN / Parcel Number

Primary APN	`BELM M:23 P:000113 S`

Interior

Bedrooms	7 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,987 sqft Living Area
Gross Area	2,954 sqft
1st Floor Area	1,261 sqft
Basement Area	1,300 sqft
Unfinished Basement	1,300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,459 sqft (0.217 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	128 SCHOOL ST
City	BELMONT
State	MA
Zip	02478-3020
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SC
Jurisdiction	BELMONT MA
Township / Civil Division	BELMONT
Census Block Group	2
Census Block	2000
Census Tract	357200

Owner

128 School St is owned and occupied by an individual who bought it in October 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	128 SCHOOL ST, BELMONT, MA 02478-3020
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) CAMDEN NATIONAL BANK
Oct 25, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAMDEN NATIONAL BANK
Mar 4, 2021	Redemption Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2021 · Amount on File
Deed Sale	Oct 25, 2021 · Amount on File
Prior Sale	May 2, 1978 · Amount on File
Deed Document Number	2021232694
Deed Book / Page	78978 / 132
Prior Transfer Date	Oct 22, 2021
Prior Transfer Doc	78978-132
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	128 SCHOOL ST, BELMONT, MA 02478-3020
Transaction Type	Mortgage
Record Updated	Aug 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0081787-25
Date	Jul 19, 2023
Book Page	81787/25
Instrument	79453

Lender

Name	CAMDEN NATIONAL BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2043

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELMONT MA
Recording Date	Oct 25, 2021
Property Address	128 SCHOOL ST, BELMONT, MA 02478-3020
Document Number	78978-132
Book / Page	78978 / 132
Instrument Date	Oct 22, 2021
Instrument	232694
Transaction Type	Transfer
Record Updated	Nov 12, 2021

Transaction

Amount	Amount 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
Address	128 SCHOOL ST, BELMONT, MA 02478-3020

Mortgage

Document Number	232695
Date	Oct 25, 2021
Instrument	232695

Lender

Name	CAMDEN NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

March 2021: Redemption Deed, Transfer

Document Type	Redemption Deed
Jurisdiction	BELMONT MA
Recording Date	Mar 4, 2021
Property Address	128 SCHOOL ST, BELMONT, MA 02478-3020
Document Number	77132-338
Book / Page	77132 / 338
Instrument Date	Jan 20, 2021
Instrument	48370
Transaction Type	Transfer
Record Updated	Sep 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 128 School St was $21,185.

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	$21,185.00	$1,860,000 Land $864,000 Building $996,000	$1,894,965 (+4.77%)
2024			$1,808,705
2023	$16,601.00	$1,477,000 Land $821,000 Building $656,000

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

Flood

FEMA maps place 128 School St in Zone X, an area of minimal flood risk.

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

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 128 School 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 584 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Starry.

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