Middlesex County and Belmont Town property record for 23 Spring Valley Rd, Belmont, MA 02478
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,181 sqft · built 2018 |
| Lot Size | 0.508 acres (22,141 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,100,000 (Jan 2018) |
| Tax Bill | $26,846 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Mar 2021 Refinance + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | BELM M:73 P:000070 S |
| Primary APN | BELM M:73 P:000070 S |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 3,181 sqft Living Area |
| Gross Area | 2,412 sqft |
| 1st Floor Area | 3,119 sqft |
| Basement Area | 792 sqft |
| Unfinished Basement | 792 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 22,141 sqft (0.508 acres) |
| Garage Type | Basement |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 23 SPRING VALLEY RD |
|---|---|
| City | BELMONT |
| State | MA |
| Zip | 02478-1716 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SA |
| Jurisdiction | BELMONT MA |
| Township / Civil Division | BELMONT |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 357800 |
Source: Middlesex County and Belmont Town 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 | 23 SPRING VALLEY RD, BELMONT, MA 02478-1716 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 9, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Mar 26, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Apr 24, 2020 | Deed of Trust, Mortgage GUARANTEED RATE |
| Aug 7, 2019 | Deed of Trust, Mortgage GUARANTEED RATE |
| May 2, 2018 | Deed of Trust, Mortgage · Line of Credit WELLESLEY BK |
| Jan 30, 2018 | Trustee's Deed, Transfer GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 30, 2018 · Amount on Record |
| Deed Sale | Jan 30, 2018 · Amount on Record |
| Prior Sale | Jul 14, 1989 · Amount on Record |
| Deed Document Number | 20181780897 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELMONT MA |
| Property Address | 23 SPRING VALLEY RD, BELMONT, MA 02478-1716 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001915785 |
|---|---|
| Date | Jun 9, 2022 |
| Instrument | 1915785 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jul 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELMONT MA |
| Property Address | 23 SPRING VALLEY RD, BELMONT, MA 02478-1716 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1874479 |
|---|---|
| Date | Mar 26, 2021 |
| Instrument | 1874479 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELMONT MA |
| Property Address | 23 SPRING VALLEY RD, BELMONT, MA 02478-1716 |
| Document Number | 0001841708 |
| Instrument Date | Apr 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 23 SPRING VALLEY RD BELMONT MA 024781716, BELMONT, MA 02478-1716 |
| Document Number | 0001841708 |
|---|---|
| Date | May 11, 2020 |
| Instrument | 1841708 |
| Name | GUARANTEED RATE |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 10, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELMONT MA |
| Property Address | 23 SPRING VALLEY RD, BELMONT, MA 02478-1716 |
| Document Number | 0000020614 |
| Instrument Date | Aug 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 23 SPRING VALLEY RD BELMONT MA 024781716, BELMONT, MA 02478-1716 |
| Document Number | 0000020614 |
|---|---|
| Date | Aug 13, 2019 |
| Instrument | 20614 |
| Name | GUARANTEED RATE |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 12, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELMONT MA |
| Property Address | 23 SPRING VALLEY RD, BELMONT, MA 02478-1716 |
| Document Number | 0000086949 |
| Instrument Date | May 2, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 31, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 23 SPRING VALLEY RD BELMONT MA 024781716, BELMONT, MA 02478-1716 |
| Document Number | 0000086949 |
|---|---|
| Date | May 7, 2018 |
| Instrument | 86949 |
| Name | WELLESLEY BK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 6, 2038 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | BELMONT MA |
| Recording Date | Jan 30, 2018 |
| Property Address | 23 SPRING VALLEY RD, BELMONT, MA 02478-1716 |
| Document Number | 0000080897 |
| Instrument Date | Jan 16, 2018 |
| Instrument | 80897 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2018 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,016.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 23 SPRING VALLEY RD BELMONT MA 024781716, BELMONT, MA 02478-1716 |
| Document Number | 80898 |
|---|---|
| Date | Jan 30, 2018 |
| Instrument | 80898 |
| Name | GUARANTEED RATE |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 29, 2048 |
Source: Middlesex County and Belmont Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Belmont Town |
| Unified School District | Belmont School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $26,846.00 (+5.92%) | $2,357,000 (+4.52%) Land $909,000 Building $1,448,000 | $2,170,940 (-18.4%) |
| 2024 | $2,660,570 | ||
| 2023 | $25,346.00 | $2,255,000 Land $1,069,000 Building $1,186,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
| Nearby Flood Claims | 3 (1978–2010) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 175 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 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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