20 Royal Rd, Belmont, MA 02478 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,316 sqft · built 1935
Lot Size	0.208 acres (9,042 sqft)
Owner	2 Individual Names on File
Last Sale	$1,639,000 (Oct 2024)
Tax Bill	$17,825 (2025)
Deeds & Mortgages	Oct 2024 Sale & Mortgage Jun 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`BELM M:31 P:000014 S`

Property Details

APN / Parcel Number

Primary APN	`BELM M:31 P:000014 S`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,316 sqft Living Area
1st Floor Area	780 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Colonial
Exterior Material	Combination
Construction Type	Frame
Lot Area	9,042 sqft (0.208 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	20 ROYAL RD
City	BELMONT
State	MA
Zip	02478-2459
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SC
Jurisdiction	BELMONT MA
Township / Civil Division	BELMONT
Census Block Group	4
Census Block	4000
Census Tract	357800

Owner

20 Royal Rd is owned and occupied by two individuals who bought it in October 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 ROYAL RD, BELMONT, MA 02478-2459
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Oct 9, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC
Jun 26, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2024 · Amount on File
Deed Sale	Oct 9, 2024 · Amount on File
Prior Sale	Jul 1, 2010 · Amount on File
Deed Document Number	2024114624
Deed Book / Page	83332 / 146
Prior Transfer Date	Jun 13, 2019
Prior Transfer Doc	72826-350
Record Updated	Oct 29, 2026

October 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELMONT MA
Recording Date	Oct 9, 2024
Property Address	20 ROYAL RD, BELMONT, MA 02478-2459
Document Number	083332-146
Book / Page	83332 / 146
Instrument Date	Oct 9, 2024
Instrument	114624
Transaction Type	Transfer
Record Updated	Oct 25, 2024

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	20 ROYAL RD, BELMONT, MA 02478-2459

Mortgage

Document Number	0000114627
Date	Oct 9, 2024
Instrument	114627

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	083332-171
Date	Oct 9, 2024
Book Page	83332/171
Instrument	114628

Lender

Name	CHILDRENS HOSPITAL PEDIATRIC ASSOCIATES

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	121 Months
Due	Nov 1, 2034

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELMONT MA
Recording Date	Jun 26, 2019
Property Address	20 ROYAL RD, BELMONT, MA 02478-2459
Document Number	72826-350
Book / Page	072826 / 000350
Instrument Date	Jun 13, 2019
Instrument	88752
Transaction Type	Transfer
Record Updated	Jul 16, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 ROYAL RD BELMONT MA 024782459, BELMONT, MA 02478-2459

Tax Assessment & Valuation

The 2025 property tax bill for 20 Royal Rd was $17,825.

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	$17,825.00	$1,565,000 Land $904,000 Building $661,000	$1,554,865 (+2.6%)
2024			$1,515,535
2023	$14,983.00	$1,333,000 Land $860,000 Building $473,000

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

Flood

FEMA maps place 20 Royal 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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 20 Royal 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 419 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.

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