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21 Cedar Rd, Belmont, MA 02478 Property Records

Middlesex County and Belmont Town property record for 21 Cedar Rd, Belmont, MA 02478

Property Summary

Property TypeSingle Family Home
Details5 bd · 4.5 ba · 3,323 sqft · built 1941
Lot Size0.353 acres (15,366 sqft)
OwnerTrust Name on File
Last Sale$1,100,000 (May 2012)
Tax Bill$26,903 (2025)
Deeds & MortgagesApr 2021 Transfer
Aug 2020 Mortgage
Flood ZoneZone X (minimal risk)
APNBELM M:18 P:000079 S

Property Details

APN / Parcel Number

Primary APNBELM M:18 P:000079 S

Interior

Bedrooms5 Beds
Full Baths4.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area3,323 sqft Living Area
1st Floor Area1,181 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1941
Effective Year BuiltEffective 1941
Architectural StyleContemporary
Exterior MaterialWood Siding
Construction TypeFrame
Lot Area15,366 sqft (0.353 acres)
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelGas

Location & Zoning

Street Address21 CEDAR RD
CityBELMONT
StateMA
Zip02478-2903
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSC
JurisdictionBELMONT MA
Township / Civil DivisionBELMONT
Census Block Group2
Census Block2017
Census Tract357200

Owner

21 Cedar Rd is owner-occupied and held in a trust since April 2021.

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

Owner of RecordTrust Name on File
Mailing Address21 CEDAR RD, BELMONT, MA 02478-2903
OccupancyOwner Occupied
Owner TypeIndividual
VestingTrust

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

DateDocument
Apr 23, 2021Quit Claim Deed, Transfer
Quitclaim
Aug 5, 2020Deed of Trust, Mortgage · Conventional Mortgage
STEARNS LNDG

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 30, 2012 · Amount on File
Deed SaleMay 30, 2012 · Amount on File
Prior SaleJul 1, 2009 · Amount on File
Deed Book / Page59188 / 326
Last Transfer DateApr 12, 2021
Transfer Doc77586-421
Record UpdatedOct 29, 2026

April 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBELMONT MA
Recording DateApr 23, 2021
Property Address21 CEDAR RD, BELMONT, MA 02478-2903
Document Number77586-421
Book / Page77586 / 421
Instrument DateApr 12, 2021
Instrument91601
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address21 CEDAR RD, BELMONT, MA 02478-2903

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBELMONT MA
Property Address21 CEDAR RD, BELMONT, MA 02478-2903
Document Number75338-160
Instrument DateAug 5, 2020
Transaction TypeMortgage
Record UpdatedSep 1, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address21 CEDAR RD BELMONT MA 024782903, BELMONT, MA 02478-2903

Mortgage

Document Number75338-160
DateAug 11, 2020
Book Page075338/000160
Instrument134893
Lender
NameSTEARNS LNDG
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term180 Months
DueAug 10, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 21 Cedar Rd was $26,903.

Source: Middlesex County and Belmont Town assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyMiddlesex County
County SubdivisionBelmont Town
Unified School DistrictBelmont School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$26,903.00$2,362,000 Land $1,147,000 Building $1,215,000$2,251,025 (-6.79%)
2024$2,414,995
2023$21,985.00$1,956,000 Land $1,091,000 Building $865,000

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

Flood

FEMA maps place 21 Cedar Rd 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 21 Cedar 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 RiskNot 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 SystemBELMONT WATER DEPT. (MWRA)
serves 27,442 people · EPA ID MA3026000
Water SourcePurchased surface water from MWRA
Last State InspectionJul 2023
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 721 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Verizon
Fiber · Fixed Wireless in parts of the area		2,300 / 2,300
Xfinity
Cable		2,000 / 250
T-Mobile
Fixed Wireless		100 / 20

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