140 Prospect St, Belmont, MA 02478 Property Records

Middlesex County and Belmont Town property record for 140 Prospect St, Belmont, MA 02478

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,146 sqft · built 1940
Lot Size	0.321 acres (13,966 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,206,000 (Mar 2018)
Tax Bill	$18,349 (2025)
Deeds & Mortgages	Sep 2021 Refinance Jan 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BELM M:47 P:000071 S`

Property Details

APN / Parcel Number

Primary APN	`BELM M:47 P:000071 S`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,146 sqft Living Area
Gross Area	2,040 sqft
1st Floor Area	1,028 sqft
Basement Area	966 sqft
Unfinished Basement	966 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,966 sqft (0.321 acres)
Garage Type	Basement
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	140 PROSPECT ST
City	BELMONT
State	MA
Zip	02478-2615
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SB
Jurisdiction	BELMONT MA
Township / Civil Division	BELMONT
Census Block Group	1
Census Block	1018
Census Tract	357100

Owner

Source: Middlesex County and Belmont Town records, as of July 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	140 PROSPECT ST, BELMONT, MA 02478-2615
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Jan 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Mar 15, 2018	Personal Representative Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2018 · Amount on Record
Deed Sale	Mar 15, 2018 · Amount on Record
Deed Document Number	20181783556
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	140 PROSPECT ST, BELMONT, MA 02478-2615
Transaction Type	Mortgage
Record Updated	Oct 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1894992
Date	Sep 28, 2021
Instrument	1894992

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2041

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	140 PROSPECT ST, BELMONT, MA 02478-2615
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1865759
Date	Jan 4, 2021
Instrument	1865759

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2041

March 2018: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	BELMONT MA
Recording Date	Mar 15, 2018
Property Address	140 PROSPECT ST, BELMONT, MA 02478-2615
Document Number	0000083556
Instrument Date	Mar 12, 2018
Instrument	83556
Transaction Type	Transfer
Record Updated	Apr 3, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,499.36
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	140 PROSPECT ST BELMONT MA 024782615, BELMONT, MA 02478-2615

Mortgage

Document Number	83557
Date	Mar 15, 2018
Instrument	83557

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 14, 2048

Tax Assessment & Valuation

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	$18,349.00 (+18.56%)	$1,611,000 (+16.99%) Land $1,120,000 Building $491,000	$1,720,640 (+4.49%)
2024			$1,646,635
2023	$15,477.00	$1,377,000 Land $1,065,000 Building $312,000

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 · 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	2 in force
Nearby Flood Claims	3 (1978–2001)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Mar 2001 · Severe Storms And Flooding

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 96% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 285 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

Cell Coverage

5G (outdoors only) and 4G LTE

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