185 White St, Belmont, MA 02478 Property Records

Middlesex County and Belmont Town property record for 185 White St, Belmont, MA 02478

Property Summary

Property Type	Condominium
Details	3 bd · 4 ba · 2,279 sqft · built 2002
Lot Size	0.221 acres (9,627 sqft)
Owner	Individual Name on File
Last Sale	$172,917 (Aug 2024)
Tax Bill	$11,903 (2025)
Deeds & Mortgages	Aug 2020 Refinance Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`BELM M:15 P:000185 S:U:1`

Property Details

APN / Parcel Number

Primary APN	`BELM M:15 P:000185 S:U:1`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,279 sqft Living Area
1st Floor Area	572 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	9,627 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	185 WHITE ST
City	BELMONT
State	MA
Zip	02478-4700
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R
Jurisdiction	BELMONT MA
Township / Civil Division	BELMONT
Census Block Group	2
Census Block	2003
Census Tract	357600

Owner

185 White St, a condominium, is owned by an individual who bought it in August 2024.

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

Owner of Record	Individual Name on File
Mailing Address	185 WHITE ST, 2, BELMONT, MA 02478-4700
Owner Type	Individual
Vesting	Individual(s)

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

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Feb 14, 2020	Condominium Deed, Transfer · Stand-Alone First Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2024 · Amount on File
Deed Sale	Aug 5, 2024 · Amount on File
Prior Sale	Feb 14, 2020 · Amount on File
Deed Document Number	202487319
Deed Book / Page	83094 / 575
Prior Transfer Date	Aug 2, 2024
Prior Transfer Doc	083094-575
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	185 WHITE ST, BELMONT, MA 02478-4700
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75403-472
Date	Aug 19, 2020
Book Page	75403/472
Instrument	141423

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

February 2020: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	BELMONT MA
Recording Date	Feb 14, 2020
Property Address	185 WHITE ST, BELMONT, MA 02478-4700
Document Number	74134-370
Book / Page	74134 / 370
Instrument Date	Feb 14, 2020
Instrument	22845
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	185 WHITE ST # 1, 1, BELMONT, MA 02478-4700
Investor	Possibly a Property Investor

Mortgage

Document Number	22846
Date	Feb 14, 2020
Instrument	22846

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 185 White St was $11,903.

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	$11,903.00	$1,045,000 Building $1,045,000	$967,290
2023	$9,430.00	$839,000 Building $839,000

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

Flood

FEMA maps place 185 White St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

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
Nearby Flood Claims	1 (1978)
Most Recent Claim	Jan 1978 · tidal / storm surge

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 185 White 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 1,029 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: Astound Broadband, AT&T.

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