20 7th St, Cambridge, MA 02141 Property Records

Middlesex County and Cambridge City property record for 20 7th St, Cambridge, MA 02141

Property Summary

Property Type	Exempt (Full or Partial)
Details	2 bd · 1 ba · 3,488 sqft · built 1890
Lot Size	0.085 acres (3,699 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,012 (2022)
Deeds & Mortgages	Jul 2020 Refinance Aug 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`35-72-20`

Property Details

APN / Parcel Number

Primary APN	`35-72-20`
Alternative APNs	`CAMB M:00035 L:0007200020` `CAMB M:00035 L:00072`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Units	4 Units
Stories	2 Stories
Building Area	3,488 sqft Total Area
Gross Area	5,262 sqft
1st Floor Area	752 sqft
Basement Area	1,714 sqft
Unfinished Basement	1,714 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	3,699 sqft (0.085 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	20 7TH ST
City	CAMBRIDGE
State	MA
Zip	02141-1112
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	C-1
Legal Lot Number	72
Jurisdiction	CAMBRIDGE MA
Township / Civil Division	CAMBRIDGE
Census Block Group	1
Census Block	1003
Census Tract	352200

Owner

20 7th St is owned by two individuals.

Source: Middlesex County and Cambridge City records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20 7TH ST, CAMBRIDGE, MA 02141-1112
Owner Type	Individual
Vesting	Et Al (and Others)

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
Jul 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MLD MORTGAGE INC
Aug 14, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance POLI MORTGAGE GROUP INC
May 26, 2017	Quit Claim Deed, Transfer POLI MORTGAGE GROUP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIDGE MA
Property Address	20 7TH ST, CAMBRIDGE, MA 02141-1112
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75229-132
Date	Jul 28, 2020
Book Page	75229/132
Instrument	124101

Lender

Name	MLD MORTGAGE INC
Type	Mortgage Company

Agreement

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

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIDGE MA
Property Address	20 7TH ST, CAMBRIDGE, MA 02141-1112
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73110-280
Date	Aug 14, 2019
Book Page	73110/280
Instrument	120605

Lender

Name	POLI MORTGAGE GROUP INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAMBRIDGE MA
Recording Date	May 26, 2017
Property Address	20 7TH ST, CAMBRIDGE, MA 02141-1112
Document Number	69344-104
Book / Page	69344 / 104
Instrument	78926
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	$25.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 7TH ST, CAMBRIDGE, MA 02141-1112

Mortgage

Document Number	693440115
Date	May 26, 2017
Instrument	69344/0115

Lender

Name	POLI MORTGAGE GROUP INC
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 26, 2047

Tax Assessment & Valuation

Source: Middlesex County and Cambridge City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Cambridge City
Unified School District	Cambridge School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2024		$510,600 Building $510,600
2022	$3,012.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 20 7th St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1985.

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1985–1998)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 1998 · Heavy Rains 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

The area around 20 7th 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	CAMBRIDGE WATER DEPARTMENT serves 118,214 people · EPA ID MA3049000
Water Source	Surface water
Last State Inspection	Jun 2023
Lead	8 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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, 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 566 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Netafy Fixed Wireless	641 / 143
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, Starry, Verizon.

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