22 Upton St, Cambridge, MA 02139 Property Records

Middlesex County and Cambridge City property record for 22 Upton St, Cambridge, MA 02139

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,360 sqft · built 1871
Lot Size	0.038 acres (1,650 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Jun 2007)
Tax Bill	$8,991 (2025)
Deeds & Mortgages	Nov 2021 Refinance Apr 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`104-53`

Property Details

APN / Parcel Number

Primary APN	`104-53`
Alternative APN	`CAMB M:00104 L:00053`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,360 sqft Living Area
Gross Area	2,223 sqft
1st Floor Area	680 sqft
Basement Area	680 sqft
Unfinished Basement	137 sqft

Exterior

Year Built	Built 1871
Effective Year Built	Effective 1871
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Brick
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	1,650 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	22 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	53
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	2 Individual Names on Record
Mailing Address	224 ALBANY ST, 470, CAMBRIDGE, MA 02139-4210
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Apr 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance USAA FSB
Dec 16, 2020	Deed of Trust, Mortgage · Line of Credit EAST CAMBRIDGE SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2007 · Amount on Record
Deed Sale	Jun 26, 2007 · Amount on Record
Deed Document Number	2007116771
Deed Book / Page	49671 / 43
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIDGE MA
Property Address	22 UPTON ST, CAMBRIDGE, MA 02139-3809
Transaction Type	Mortgage
Record Updated	Oct 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0079100-91
Date	Nov 8, 2021
Book Page	79100/91
Instrument	244582

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIDGE MA
Property Address	22 UPTON ST, CAMBRIDGE, MA 02139-3809
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74528-263
Date	Apr 24, 2020
Book Page	74528/263
Instrument	60248

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2040

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIDGE MA
Property Address	22 UPTON ST, CAMBRIDGE, MA 02139-3809
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76447-504
Date	Dec 16, 2020
Book Page	76447/504
Instrument	240074

Lender

Name	EAST CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$8,991.00 (+3.95%)	$1,415,900 (-3.08%) Land $650,700 Building $765,200	$1,500,905 (+7.06%)
2024	$8,649.00 (+10.21%)	$1,460,900 (+9.08%) Land $714,700 Building $746,200	$1,401,915
2023	$7,848.00	$1,339,300 Land $690,500 Building $648,800

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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