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

Middlesex County and Cambridge City property record for 21 Gray St, #B, Cambridge, MA 02138 · Last verified July 2026

Property Summary

Property Type	Condominium
Details	5 bd · 3 ba · 2,260 sqft · built 1903
Lot Size	0.133 acres (5,806 sqft)
Owner	2 Individual Names on File
Last Sale	$1,730,000 (Jul 2017)
Tax Bill	$12,628 (2025)
Deeds & Mortgages	Dec 2021 Refinance Mar 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`212-4-B`

Property Details

APN / Parcel Number

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

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,260 sqft Living Area
Gross Area	2,678 sqft
1st Floor Area	2,260 sqft
Basement Area	418 sqft
Unfinished Basement	418 sqft
Central Vacuum	Central Vacuum

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

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

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

Owner

Source: Middlesex County and Cambridge City records · APN 212-4-B

Assessment roll updated April 14, 2026 · Last verified July 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	23 GRAY ST, B, CAMBRIDGE, MA 02138-1663
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Mar 31, 2017	Deed of Trust, Mortgage · ARM FIRST GUARANTY MTG
May 12, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Jul 31, 2017	Quit Claim Deed, Transfer BLUE HILLS BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 31, 2017 · Amount on Record
Deed Sale	Jul 31, 2017 · Amount on Record
Prior Sale	Jul 23, 2010 · Amount on Record
Deed Book / Page	69693 / 471
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIDGE MA
Property Address	21 GRAY ST # B, B, CAMBRIDGE, MA 02138
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079396-553
Date	Dec 21, 2021
Book Page	79396/553
Instrument	274794

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIDGE MA
Property Address	21 GRAY ST # B, B, CAMBRIDGE, MA 02138
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69078-537
Date	Mar 31, 2017
Book Page	69078/537
Instrument	47183

Lender

Name	FIRST GUARANTY MTG

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.63%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIDGE MA
Property Address	21 GRAY ST # B, B, CAMBRIDGE, MA 02138
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74657-220
Date	May 12, 2020
Book Page	74657/220
Instrument	71466

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2050

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAMBRIDGE MA
Recording Date	Jul 31, 2017
Property Address	21 GRAY ST # B, B, CAMBRIDGE, MA 02138
Document Number	69693-471
Book / Page	69693 / 471
Instrument	120679
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$88.47
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 GRAY ST # B, B, CAMBRIDGE, MA 02138

Mortgage

Document Number	696930474
Date	Jul 31, 2017
Instrument	69693/0474

Lender

Name	BLUE HILLS BANK

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jul 31, 2047

Interest

Rate	3.38%
Max Rate At Change	80.1%
Max Rate	2.5%

Tax Assessment & Valuation

Source: Middlesex County and Cambridge City records · Assessment roll updated April 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,628.00 (+3.32%)	$1,988,700 (-3.67%) Building $1,988,700	$1,830,745 (-17.21%)
2024	$12,222.00 (+12.16%)	$2,064,500 (+11.02%) Building $2,064,500	$2,211,220
2023	$10,897.00	$1,859,500 Building $1,859,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173540001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 782 locations within about half a mile of this property

Provider	Technology	Download / Upload (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 at this address: Radiate Holdings, Starry. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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