20 Decatur St, Cambridge, MA 02139 Property Records

Middlesex County and Cambridge City property record for 20 Decatur St, Cambridge, MA 02139

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,175 sqft · built 1930
Lot Size	0.173 acres (7,566 sqft)
Owner	2 Trust Names on File
Last Sale	$2,200,000 (Aug 2025)
Tax Bill	$7,448 (2025)
Deeds & Mortgages	Aug 2025 Mortgage Aug 2025 Sale
Flood Zone	Zone X (minimal risk)
APN	`94-25-20`

Property Details

APN / Parcel Number

Primary APN	`94-25-20`
Alternative APN	`CAMB M:00094 L:0002500020`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,175 sqft Living Area
Gross Area	1,727 sqft
1st Floor Area	1,175 sqft
Basement Area	288 sqft
Unfinished Basement	288 sqft
Central Vacuum	Central Vacuum

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Condo/Apartment
Lot Area	7,566 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	20 DECATUR ST
City	CAMBRIDGE
State	MA
Zip	02139-4002
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Lot Number	2500020
Jurisdiction	CAMBRIDGE MA
Township / Civil Division	CAMBRIDGE
Census Block Group	3
Census Block	3004
Census Tract	353200

Owner

20 Decatur St, a condominium, is held in a trust since August 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	20 DECATUR ST, 22, CAMBRIDGE, MA 02139-4002
Owner Type	Company
Vesting	Trust, Irrevocable Trust

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 22, 2025	Deed of Trust, Mortgage · Conventional Mortgage GOLDMAN SACHS BANK USA
Aug 1, 2025	Condominium Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2025 · Amount on File
Deed Sale	Aug 1, 2025 · Amount on File
Deed Document Number	202591567
Deed Book / Page	84443 / 578
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIDGE MA
Property Address	20 DECATUR ST, CAMBRIDGE, MA 02139-4002
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084528-101
Date	Aug 22, 2025
Book Page	84528/101
Instrument	101460

Lender

Name	GOLDMAN SACHS BANK USA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.9%
Type Change Date	Sep 1, 2035
Index	Other
Margin	3

August 2025: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	CAMBRIDGE MA
Recording Date	Aug 1, 2025
Property Address	20 DECATUR ST, CAMBRIDGE, MA 02139-4002
Document Number	084443-578
Book / Page	84443 / 578
Instrument Date	Jul 29, 2025
Instrument	91567
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount 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	20-22 DECATUR ST # 20, 20, CAMBRIDGE, MA 02139-4002

Tax Assessment & Valuation

The 2025 property tax bill for 20 Decatur St was $7,448, up 10.4% from the year before.

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	$7,448.00 (+10.37%)	$1,172,900 (+2.9%) Building $1,172,900	$2,071,380 (+53.7%)
2024	$6,748.00	$1,139,800 Building $1,139,800	$1,347,670

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

Flood

FEMA maps place 20 Decatur St in Zone X, an area of minimal flood risk.

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

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 Decatur 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 910 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
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Starry.

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