20 Berkeley St, Cambridge, MA 02138 Property Records

Middlesex County and Cambridge City property record for 20 Berkeley St, Cambridge, MA 02138

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 5,654 sqft · built 1857
Lot Size	0.297 acres (12,946 sqft)
Owner	2 Individual Names on Record
Last Sale	$6,000,000 (Jul 2019)
Tax Bill	$55,919 (2025)
Deeds & Mortgages	May 2019 Line of Credit Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`218-11`

Property Details

APN / Parcel Number

Primary APN	`218-11`
Alternative APN	`CAMB M:00218 L:00011`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	3 Stories
Building Area	5,654 sqft Living Area
Gross Area	7,801 sqft
1st Floor Area	2,142 sqft
Basement Area	1,600 sqft
Unfinished Basement	750 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace
Central Vacuum	Central Vacuum

Exterior

Year Built	Built 1857
Effective Year Built	Effective 1857
Architectural Style	Victorian
Exterior Material	Wood Siding
Construction Type	Brick
Roof Type	Mansard
Roof Material	Slate
Lot Area	12,946 sqft (0.297 acres)
Garage Type	Covered
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	20 BERKELEY ST
City	CAMBRIDGE
State	MA
Zip	02138-3410
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Lot Number	11
Jurisdiction	CAMBRIDGE MA
Township / Civil Division	CAMBRIDGE
Census Block Group	2
Census Block	2005
Census Tract	354100

Historic Designation

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

Historic District	Within the Berkeley Street Historic District (Boundary Increase) listed 1986 · 8 contributing resources · NRIS 86001265

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

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	20 BERKELEY ST, CAMBRIDGE, MA 02138-3410
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 30, 2019	Deed of Trust, Mortgage · Line of Credit CENTURY BANK & TRUST
Jul 11, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GOLDMAN SACHS BANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2019 · Amount on Record
Deed Sale	Jul 11, 2019 · Amount on Record
Deed Document Number	201998107
Deed Book / Page	72907 / 290
Record Updated	Sep 20, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIDGE MA
Property Address	20 BERKELEY ST, CAMBRIDGE, MA 02138-3410
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72682-59
Date	May 30, 2019
Book Page	72682/59
Instrument	71679

Lender

Name	CENTURY BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2039

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAMBRIDGE MA
Recording Date	Jul 11, 2019
Property Address	20 BERKELEY ST, CAMBRIDGE, MA 02138-3410
Document Number	72907-290
Book / Page	72907 / 290
Instrument Date	Jun 14, 2019
Instrument	98107
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	20 BERKELEY ST, CAMBRIDGE, MA 02138-3410

Mortgage

Document Number	98108
Date	Jul 11, 2019
Instrument	98108

Lender

Name	GOLDMAN SACHS BANK USA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Type Change Date	Aug 1, 2026

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	Assessed Market Value
2025	$55,919.00 (+11.65%)	$8,806,200 (+4.09%) Land $3,038,400 Building $5,767,800	$7,504,145 (+5.1%)
2024	$50,086.00 (+10.9%)	$8,460,400 (+9.77%) Land $3,014,100 Building $5,446,300	$7,139,725
2023	$45,165.00	$7,707,300 Land $3,001,900 Building $4,705,400

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 · 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	9 in force
Nearby Flood Claims	3 (1978–2018)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Dec 2018 · other causes

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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Starry, Verizon.

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