194 Beech St, Belmont, MA 02478 Property Records

Middlesex County and Belmont Town property record for 194 Beech St, Belmont, MA 02478

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 1,558 sqft · built 1921
Lot Size	0.089 acres (3,905 sqft)
Owner	2 Individual Names on File
Last Sale	$408,000 (Dec 2006)
Tax Bill	$8,258 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Sep 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BELM M:29 P:000003 S:U:194`

Property Details

APN / Parcel Number

Primary APN	`BELM M:29 P:000003 S:U:194`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,558 sqft Living Area
1st Floor Area	1,298 sqft

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	3,905 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	194 BEECH ST
City	BELMONT
State	MA
Zip	02478-1944
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R
Legal Subdivision	192-194 BEECH STREET CONDO
Jurisdiction	BELMONT MA
Township / Civil Division	BELMONT
Census Block Group	4
Census Block	4001
Census Tract	357700

Owner

194 Beech St, a condominium, is owned and occupied by two individuals who bought it in December 2006.

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

Owner of Record	2 Individual Names on File
Mailing Address	194 BEECH ST, BELMONT, MA 02478-1944
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Estate

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
Sep 29, 2021	Deed of Trust, Mortgage · Line of Credit THE WASHINGTON TRUST CO OF WESTERLY
Sep 29, 2021	Deed of Trust, Mortgage · Line of Credit THE WASHINGTON TRUST CO OF WESTERLY
Jul 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage HARVARD UNVI CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2006 · Amount on File
Deed Sale	Dec 22, 2006 · Amount on File
Deed Book / Page	97 / 75
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	194 BEECH ST, BELMONT, MA 02478-1944
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001895035
Date	Sep 29, 2021
Instrument	1895035

Lender

Name	THE WASHINGTON TRUST CO OF WESTERLY
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	194 BEECH ST, BELMONT, MA 02478-1944
Transaction Type	Mortgage
Record Updated	Oct 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1895035
Date	Sep 29, 2021
Instrument	1895035

Lender

Name	THE WASHINGTON TRUST CO OF WESTERLY
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	194 BEECH ST, BELMONT, MA 02478-1944
Document Number	0000092645
Instrument Date	Jul 11, 2018
Transaction Type	Mortgage
Record Updated	Aug 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	194 BEECH ST #194 BELMONT MA 024781944, 194, BELMONT, MA 02478-1944

Mortgage

Document Number	0000092645
Date	Jul 18, 2018
Instrument	92645

Lender

Name	HARVARD UNVI CU

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 17, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 194 Beech St was $8,258.

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	$8,258.00	$725,000 Building $725,000	$756,390 (+9.2%)
2024			$692,645
2023	$7,486.00	$666,000 Building $666,000

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

Flood

FEMA maps place 194 Beech St in Zone X, an area of minimal flood risk.

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

The area around 194 Beech 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 600 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	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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