20 Eliot Rd, Belmont, MA 02478 Property Records

Middlesex County and Belmont Town property record for 20 Eliot Rd, Belmont, MA 02478

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,280 sqft · built 1950
Lot Size	0.214 acres (9,315 sqft)
Owner	2 Individual Names on File
Last Sale	$901,000 (May 2017)
Tax Bill	$15,935 (2025)
Deeds & Mortgages	Mar 2022 Refinance Oct 2019 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`BELM M:38 P:000029 S`

Property Details

APN / Parcel Number

Primary APN	`BELM M:38 P:000029 S`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,280 sqft Living Area
1st Floor Area	624 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	9,315 sqft (0.214 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	20 ELIOT RD
City	BELMONT
State	MA
Zip	02478-4121
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SC
Jurisdiction	BELMONT MA
Township / Civil Division	BELMONT
Census Block Group	3
Census Block	3009
Census Tract	357100

Owner

20 Eliot Rd is owned and occupied by two individuals who bought it in May 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 ELIOT RD, BELMONT, MA 02478-4121
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Mar 15, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Oct 2, 2019	Deed of Trust, Mortgage · Line of Credit MASSACHUSETTS INST/TECH
Sep 5, 2017	Deed of Trust, Mortgage · Line of Credit MASSACHUSETTS INST/TECH
May 25, 2017	Quit Claim Deed, Transfer WELLS FARGO BANK NA
Mar 18, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2017 · Amount on File
Deed Sale	May 25, 2017 · Amount on File
Prior Sale	Sep 29, 1989 · Amount on File
Deed Book / Page	69333 / 483
Transfer Doc	069333-483
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	20 ELIOT RD, BELMONT, MA 02478-4121
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	079821-173
Date	Mar 15, 2022
Book Page	79821/173
Instrument	38793

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	20 ELIOT RD, BELMONT, MA 02478-4121
Document Number	73414-198
Instrument Date	Oct 2, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 ELIOT RD BELMONT MA 024784121, BELMONT, MA 02478-4121

Mortgage

Document Number	73414-198
Date	Oct 7, 2019
Book Page	073414/000198
Instrument	153642

Lender

Name	MASSACHUSETTS INST/TECH

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 6, 2039

Interest

Rate Type	Adjustable Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	20 ELIOT RD, BELMONT, MA 02478-4121
Document Number	69912-444
Book / Page	069912 / 000444
Instrument Date	Sep 5, 2017
Transaction Type	Mortgage
Record Updated	Oct 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69912-444
Date	Sep 11, 2017
Book Page	069912/000444
Instrument	146991

Lender

Name	MASSACHUSETTS INST/TECH

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 10, 2037

Interest

Rate Type	Adjustable Rate

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELMONT MA
Recording Date	May 25, 2017
Property Address	20 ELIOT RD, BELMONT, MA 02478-4121
Document Number	69333-483
Book / Page	69333 / 483
Instrument	77688
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	$90.10
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 ELIOT RD, BELMONT, MA 02478-4121

Mortgage

Document Number	693330486
Date	May 25, 2017
Instrument	69333/0486

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 25, 2047

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	20 ELIOT RD, BELMONT, MA 02478-4121
Document Number	69149-19
Book / Page	069149 / 000019
Instrument Date	Mar 18, 2017
Transaction Type	Mortgage
Record Updated	May 9, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust

Mortgage

Document Number	69149-19
Date	Apr 18, 2017
Book Page	069149/000019
Instrument	55492

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 20 Eliot Rd was $15,935.

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	$15,935.00	$1,399,000 Land $775,000 Building $624,000	$1,457,110 (+7.84%)
2024			$1,351,185
2023	$15,286.00	$1,360,000 Land $912,000 Building $448,000

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

Flood

FEMA maps place 20 Eliot Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Feb 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 20 Eliot Rd 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 584 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: AT&T, Starry.

Nearby Properties on Eliot Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures