21 Gray St, #A, Cambridge, MA 02138 Property Records

Middlesex County and Cambridge City property record for 21 Gray St, #A, Cambridge, MA 02138

Property Summary

Property Type	Condominium
Details	5 bd · 2.5 ba · 2,354 sqft · built 1903
Lot Size	0.133 acres (5,806 sqft)
Owner	2 Individual Names on File
Last Sale	$1,805,000 (Jun 2025)
Tax Bill	$9,621 (2025)
Deeds & Mortgages	Feb 2022 Refinance Jun 2025 Sale & Refinance
Flood Zone	Zone X (minimal risk)
APN	`212-4-A`

Property Details

APN / Parcel Number

Primary APN	`212-4-A`
Alternative APN	`CAMB M:00212 L:000040000A`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,354 sqft Living Area
1st Floor Area	2,354 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Architectural Style	Condo/Apartment
Lot Area	5,806 sqft
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam

Location & Zoning

Street Address	21 GRAY ST, A
City	CAMBRIDGE
State	MA
Zip	02138
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Lot Number	40000A
Jurisdiction	CAMBRIDGE MA
Township / Civil Division	CAMBRIDGE
Census Block Group	1
Census Block	1006
Census Tract	354000

Owner

Source: Middlesex County and Cambridge City assessment roll, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	21 GRAY ST, 23, CAMBRIDGE, MA 02138
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Jun 18, 2025	Quit Claim Deed, Transfer · Stand-Alone Refinance WHC SADDLE RDG 2017 T

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 18, 2025 · Amount on Record
Deed Sale	Jun 18, 2025 · Amount on Record
Prior Sale	Dec 3, 2014
Deed Book / Page	84243 / 68
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIDGE MA
Property Address	21 GRAY ST # A, A, CAMBRIDGE, MA 02138
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079634-156
Date	Feb 2, 2022
Book Page	79634/156
Instrument	18397

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

June 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAMBRIDGE MA
Recording Date	Jun 18, 2025
Property Address	21 GRAY ST # A, A, CAMBRIDGE, MA 02138
Document Number	0084243-68
Book / Page	84243 / 68
Instrument Date	Jun 11, 2025
Instrument	69179
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	21-23 GRAY ST # A, A, CAMBRIDGE, MA 02138

Mortgage

Document Number	0000070570
Date	Jun 18, 2025
Instrument	70570

Lender

Name	WHC SADDLE RDG 2017 T

Agreement

Type	Stand-Alone Refinance
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	$9,621.00 (+3.36%)	$1,515,100 (-3.64%) Building $1,515,100	$1,695,750
2024	$9,308.00	$1,572,300 Building $1,572,300

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 · 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	1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 782 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	1,000 / 75
AT&T Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Radiate Holdings, Starry.

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