Middlesex County and Cambridge City property record for 16 Stearns St, Cambridge, MA 02138
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,607 sqft · built 1891 |
| Lot Size | 0.07 acres (3,040 sqft) |
| Owner | Individual Name on File |
| Last Sale | $550,000 (Jul 2007) |
| Tax Bill | $10,610 (2025) |
| Deeds & Mortgages | Jul 2021 Line of Credit Nov 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 228-18 |
| Primary APN | 228-18 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,607 sqft Living Area |
| Gross Area | 2,386 sqft |
| 1st Floor Area | 1,054 sqft |
| Basement Area | 390 sqft |
| Unfinished Basement | 390 sqft |
| Central Vacuum | Central Vacuum |
| Year Built | Built 1891 |
|---|---|
| Effective Year Built | Effective 1891 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,040 sqft (0.07 acres) |
| Parking Spaces | 1 Parking Space |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 16 STEARNS ST |
|---|---|
| City | CAMBRIDGE |
| State | MA |
| Zip | 02138-6712 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C-1 |
| Legal Subdivision | CAMBRIDGE |
| Legal Lot Number | 18 |
| Jurisdiction | CAMBRIDGE MA |
| Township / Civil Division | CAMBRIDGE |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 354602 |
Source: Middlesex County and Cambridge City records · APN 228-18
Assessment roll updated April 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 16 STEARNS ST, CAMBRIDGE, MA 02138-6712 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 20, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND |
| Nov 19, 2020 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 19, 2007 · Amount on Record |
| Deed Sale | Jul 19, 2007 · Amount on Record |
| Prior Sale | Jun 07, 2004 · Amount on Record |
| Deed Document Number | 2007133847 |
| Deed Book / Page | 49804 / 116 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMBRIDGE MA |
| Property Address | 16 STEARNS ST, CAMBRIDGE, MA 02138-6712 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 078280-150 |
|---|---|
| Date | Jul 20, 2021 |
| Book Page | 78280/150 |
| Instrument | 162587 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Aug 01, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMBRIDGE MA |
| Property Address | 16 STEARNS ST, CAMBRIDGE, MA 02138-6712 |
| Transaction Type | Mortgage |
| Record Updated | Jun 08, 2021 |
| Name | Verified Name |
|---|
| Document Number | 76208-506 |
|---|---|
| Date | Nov 19, 2020 |
| Book Page | 76208/506 |
| Instrument | 217472 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Dec 01, 2045 |
| Rate Type | Adjustable Rate |
|---|
Source: Middlesex County and Cambridge City records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Cambridge City |
| Unified School District | Cambridge School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,610.00 (+8.22%) | $1,670,800 (+0.89%) Land $581,000 Building $1,089,800 | $1,898,005 (-11.17%) |
| 2024 | $9,804.00 (+10.73%) | $1,656,100 (+9.6%) Land $612,700 Building $1,043,400 | $2,136,740 |
| 2023 | $8,854.00 | $1,511,000 Land $608,600 Building $902,400 |
Source: FEMA National Flood Hazard Layer as of September 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Starry.
Based on FCC filings for 853 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CAMBRIDGE WATER DEPARTMENT serves 118,214 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2023 |
| Lead | 8 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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