20 Upton St, Cambridge, MA 02139 Property Records

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

Property Summary

Property Type	Single Family Home
Details	6 bd · 3.5 ba · 1,332 sqft · built 1871
Lot Size	0.038 acres (1,639 sqft)
Owner	Individual Name on Record
Tax Bill	$7,772 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`104-54`

Property Details

APN / Parcel Number

Primary APN	`104-54`
Alternative APN	`CAMB M:00104 L:00054`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,332 sqft Living Area
Gross Area	2,112 sqft
1st Floor Area	652 sqft
Basement Area	652 sqft
Unfinished Basement	652 sqft

Exterior

Year Built	Built 1871
Effective Year Built	Effective 1871
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	1,639 sqft (0.038 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	20 UPTON ST
City	CAMBRIDGE
State	MA
Zip	02139-3809
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Lot Number	54
Jurisdiction	CAMBRIDGE MA
Township / Civil Division	CAMBRIDGE
Census Block Group	1
Census Block	1006
Census Tract	353300

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	Individual Name on Record
Mailing Address	17 HUMBOLDT ST, CAMBRIDGE, MA 02140-2804
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2026	Quit Claim Deed, Transfer WATERSTONE MTG CORP
Dec 21, 2020	Deed of Trust, Mortgage · Commercial Mortgage HINGHAM INSTITUTION FOR SAVINGS
Dec 21, 2020	Deed of Trust, Mortgage · Commercial Mortgage HINGHAM INSTITUTION FOR SAVINGS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 19, 2016
Deed Sale	Apr 19, 2016
Prior Sale	Mar 14, 2016 · Amount on Record
Deed Book / Page	67106 / 211
Last Transfer Date	Mar 2, 2026
Transfer Doc	085333-177
Record Updated	Sep 20, 2026

March 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAMBRIDGE MA
Recording Date	Mar 13, 2026
Property Address	20 UPTON ST, CAMBRIDGE, MA 02139-3809
Document Number	085333-177
Book / Page	85333 / 177
Instrument Date	Mar 2, 2026
Instrument	27380
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 HUMBOLDT ST, CAMBRIDGE, MA 02140-2804

Mortgage

Document Number	0000027381
Date	Mar 13, 2026
Instrument	27381

Lender

Name	WATERSTONE MTG CORP

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIDGE MA
Property Address	20 UPTON ST, CAMBRIDGE, MA 02139-3809
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76494-131
Date	Dec 21, 2020
Book Page	76494/131
Instrument	244423

Lender

Name	HINGHAM INSTITUTION FOR SAVINGS
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIDGE MA
Property Address	20 UPTON ST, CAMBRIDGE, MA 02139-3809
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76494-105
Date	Dec 21, 2020
Book Page	76494/105
Instrument	244421

Lender

Name	HINGHAM INSTITUTION FOR SAVINGS
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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	$7,772.00 (+3.06%)	$1,224,000 (-3.92%) Land $650,100 Building $573,900	$1,339,595 (+8.51%)
2024	$7,541.00	$1,273,900 Land $714,200 Building $559,700	$1,234,525

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 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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