Middlesex County and Belmont Town property record for 232 White St, Belmont, MA 02478
| Property Type | Condominium |
|---|---|
| Details | 4 bd · 2 ba · 1,544 sqft · built 1900 |
| Lot Size | 0.153 acres (6,679 sqft) |
| Owner | Individual Name on File |
| Last Sale | $598,500 (Aug 2017) |
| Tax Bill | $7,130 (2025) |
| Deeds & Mortgages | Nov 2021 Refinance Nov 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | BELM M:15 P:000128 S:U:232 |
| Primary APN | BELM M:15 P:000128 S:U:232 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,544 sqft Living Area |
| 1st Floor Area | 1,188 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 6,679 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 232 WHITE ST |
|---|---|
| City | BELMONT |
| State | MA |
| Zip | 02478-1262 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | R |
| Jurisdiction | BELMONT MA |
| Township / Civil Division | BELMONT |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 357600 |
232 White St, a condominium, is owned and occupied by an individual who bought it in August 2017.
Source: Middlesex County and Belmont Town records, as of July 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 232 WHITE ST, BELMONT, MA 02478-1262 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 23, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance T2 FINANCIAL LLC |
| Nov 23, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance T2 FINANCIAL LLC |
| Apr 11, 2017 | Deed of Trust, Mortgage · Line of Credit EASTERN BANK |
| Dec 31, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Aug 15, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 15, 2017 · Amount on File |
| Deed Sale | Aug 15, 2017 · Amount on File |
| Prior Sale | May 4, 2011 · Amount on File |
| Deed Book / Page | 69770 / 570 |
| Transfer Doc | 069770-570 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELMONT MA |
| Property Address | 232 WHITE ST, BELMONT, MA 02478-1262 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 079212-191 |
|---|---|
| Date | Nov 23, 2021 |
| Book Page | 79212/191 |
| Instrument | 255604 |
| Name | T2 FINANCIAL LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELMONT MA |
| Property Address | 232 WHITE ST, BELMONT, MA 02478-1262 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2021 |
| Name | Verified Name |
|---|
| Document Number | 79212-191 |
|---|---|
| Date | Nov 23, 2021 |
| Book Page | 79212/191 |
| Instrument | 255604 |
| Name | T2 FINANCIAL LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELMONT MA |
| Property Address | 232 WHITE ST, BELMONT, MA 02478-1262 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 69126-166 |
|---|---|
| Date | Apr 11, 2017 |
| Book Page | 69126/166 |
| Instrument | 52794 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELMONT MA |
| Property Address | 232 WHITE ST, BELMONT, MA 02478-1262 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 73924-76 |
|---|---|
| Date | Dec 31, 2019 |
| Book Page | 73924/76 |
| Instrument | 209658 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jan 1, 2040 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BELMONT MA |
| Recording Date | Aug 15, 2017 |
| Property Address | 232 WHITE ST, BELMONT, MA 02478-1262 |
| Document Number | 69770-570 |
| Book / Page | 069770 / 000570 |
| Instrument Date | Aug 10, 2017 |
| Instrument | 129953 |
| Transaction Type | Transfer |
| Record Updated | Sep 5, 2017 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,729.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 910 SARATOGA ST #5 BOSTON MA 021281208, 5, BOSTON, MA 02128-1208 |
| Document Number | 69770-574 |
|---|---|
| Date | Aug 15, 2017 |
| Book Page | 069770/000574 |
| Instrument | 129954 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 14, 2047 |
The 2025 property tax bill for 232 White St was $7,130.
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 | $7,130.00 | $626,000 Building $626,000 | $861,365 (+3.77%) |
| 2024 | $830,110 | ||
| 2023 | $6,429.00 | $572,000 Building $572,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 232 White St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.
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 | 1 (1978) |
| Most Recent Claim | Jan 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.
The area around 232 White St has no burnable land within ember reach, so its wildfire risk is not rated.
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 856 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 2,000 |
| Astound Broadband Cable | 1,500 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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