178 Central St, Somerville, MA 02145 Property Records

Middlesex County and Somerville City property record for 178 Central St, Somerville, MA 02145

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,596 sqft · built 1844
Lot Size	0.165 acres (7,199 sqft)
Owner	Individual Name on Record
Last Sale	$2,499,000 (Jun 2026)
Tax Bill	$20,115 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Jun 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`48-A-13`

Property Details

APN / Parcel Number

Primary APN	`48-A-13`
Alternative APNs	`SOME M:48 B:A L:13` `8315050`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,596 sqft Living Area
Gross Area	5,124 sqft
Basement Area	1,100 sqft
Unfinished Basement	1,100 sqft

Exterior

Year Built	Built 1844
Effective Year Built	Effective 1844
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,199 sqft (0.165 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	8315050
Street Address	178 CENTRAL ST
City	SOMERVILLE
State	MA
Zip	02145-2741
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR
Legal Block	A
Legal Lot Number	13
Jurisdiction	SOMERVILLE MA
Township / Civil Division	SOMERVILLE
Census Block Group	1
Census Block	1003
Census Tract	350202

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Adams, Charles-Woodbury Locke House listed 1989 · 2 contributing resources · NRIS 89001240

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Individual Name on Record
Mailing Address	178 CENTRAL ST, SOMERVILLE, MA 02145-2741
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage UBS BANK USA
Jun 15, 2026	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2026 · Amount on Record
Deed Sale	Jun 15, 2026 · Amount on Record
Prior Sale	Jun 23, 2015
Deed Document Number	202671333
Deed Book / Page	85739 / 272
Transfer Doc	65589-588
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERVILLE MA
Recording Date	Sep 25, 2026
Property Address	178 CENTRAL ST, SOMERVILLE, MA 02145-2741
Document Number	0000121755
Book / Page	86177 / 175
Instrument Date	Sep 21, 2026
Instrument	2026121755
Transaction Type	Mortgage
Record Updated	Oct 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 CENTRAL ST, SOMERVILLE, MA 02145-2741

Mortgage

Document Number	0000121755,
Date	Sep 25, 2026
Book Page	86177/175
Instrument	2026121755

Lender

Name	UBS BANK USA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Initial Type	Adjustable Rate
Type Change Date	Oct 1, 2033
Index	Other
Margin	3
Max Rate	-1%

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SOMERVILLE MA
Recording Date	Jun 15, 2026
Property Address	178 CENTRAL ST, SOMERVILLE, MA 02145-2741
Document Number	0000071333
Book / Page	85739 / 272
Instrument Date	Jun 5, 2026
Instrument	202671333
Transaction Type	Transfer
Record Updated	Aug 30, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	178 CENTRAL ST, SOMERVILLE, MA 02145-2741

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	$20,115.00 (+6.59%)	$1,832,000 (+5.91%) Land $661,900 Building $1,170,100	$2,377,024 (+54.36%)
2025	$18,872.00 (+7.49%)	$1,729,800 (+3.65%) Land $630,300 Building $1,099,500	$1,539,950 (-11.11%)
2024	$17,557.00 (+7.75%)	$1,668,900 (+5.91%) Land $630,300 Building $1,038,600	$1,732,420
2023	$16,294.00	$1,575,800 Land $630,300 Building $945,500

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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