215 Cross St, Belmont, MA 02478 Property Records

Middlesex County and Belmont Town property record for 215 Cross St, Belmont, MA 02478

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,734 sqft · built 1950
Lot Size	0.174 acres (7,587 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,300,000 (Jul 2026)
Tax Bill	$11,766 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Sep 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`BELM M:42 P:000052 S`

Property Details

APN / Parcel Number

Primary APN	`BELM M:42 P:000052 S`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,734 sqft Living Area
1st Floor Area	768 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,587 sqft (0.174 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	215 CROSS ST
City	BELMONT
State	MA
Zip	02478-4231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SC
Jurisdiction	BELMONT MA
Township / Civil Division	BELMONT
Census Block Group	3
Census Block	3000
Census Tract	357100

Owner

Source: Middlesex County and Belmont Town records, as of August 19, 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 Record
Mailing Address	215 CROSS ST, BELMONT, MA 02478-4231
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Quit Claim Deed, Transfer · Conventional Mortgage TD BANK
Sep 28, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2026 · Amount on Record
Deed Sale	Jul 31, 2026 · Amount on Record
Prior Sale	Nov 12, 1969 · Amount on Record
Deed Document Number	202696709
Deed Book / Page	85963 / 480
Prior Transfer Date	Sep 17, 2021
Prior Transfer Doc	78793-155
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELMONT MA
Recording Date	Jul 31, 2026
Property Address	215 CROSS ST, BELMONT, MA 02478-4231
Document Number	0000096709
Book / Page	85963 / 480
Instrument Date	Jul 29, 2026
Instrument	202696709
Transaction Type	Transfer
Record Updated	Aug 31, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	215 CROSS ST, BELMONT, MA 02478-4231

Mortgage

Date	Jul 31, 2026

Lender

Name	TD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Initial Type	Adjustable Rate
Type Change Date	Aug 1, 2031
Index	Other
Margin	3
Max Rate	-1%

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELMONT MA
Recording Date	Sep 28, 2021
Property Address	215 CROSS ST, BELMONT, MA 02478-4231
Document Number	78793-155
Book / Page	78793 / 155
Instrument Date	Sep 17, 2021
Instrument	214176
Transaction Type	Transfer
Record Updated	Oct 15, 2021

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	215 CROSS ST, BELMONT, MA 02478-4231

Tax Assessment & Valuation

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	$11,766.00 (+1.93%)	$1,033,000 (+0.58%) Land $626,000 Building $407,000	$1,437,065 (-1.59%)
2024			$1,460,340
2023	$11,543.00	$1,027,000 Land $736,000 Building $291,000

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
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Feb 1978 · tidal / storm surge

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

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

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, AT&T.

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