27 Stone Rd, Belmont, MA 02478 Property Records

Middlesex County and Belmont Town property record for 27 Stone Rd, Belmont, MA 02478

Property Summary

Property Type	Single Family Home
Details	6 bd · 2.5 ba · 3,381 sqft · built 1920
Lot Size	0.263 acres (11,453 sqft)
Owner	2 Individual Names on File
Last Sale	$1,450,000 (Nov 2019)
Tax Bill	$21,231 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Dec 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`BELM M:23 P:000052 S`

Property Details

APN / Parcel Number

Primary APN	`BELM M:23 P:000052 S`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,381 sqft Living Area
1st Floor Area	1,008 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	11,453 sqft (0.263 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	27 STONE RD
City	BELMONT
State	MA
Zip	02478-3520
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SC
Jurisdiction	BELMONT MA
Township / Civil Division	BELMONT
Census Block Group	1
Census Block	1013
Census Tract	357200

Owner

27 Stone Rd is owned and occupied by two individuals who bought it in November 2019.

Source: Middlesex County and Belmont Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	27 STONE RD, BELMONT, MA 02478-3520
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND
Dec 15, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Jun 9, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Nov 18, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage USA ALLIANCE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2019 · Amount on File
Deed Sale	Nov 18, 2019 · Amount on File
Prior Sale	Nov 18, 1964 · Amount on File
Deed Document Number	2019180529
Deed Book / Page	73668 / 451
Prior Transfer Date	Nov 1, 2019
Prior Transfer Doc	73668-451
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	27 STONE RD, BELMONT, MA 02478-3520
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	79217-139
Date	Nov 24, 2021
Book Page	79217/139
Instrument	256063

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Dec 1, 2046

Interest

Rate Type	Adjustable Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	27 STONE RD, BELMONT, MA 02478-3520
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76434-321
Date	Dec 15, 2020
Book Page	76434/321
Instrument	238928

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2052

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	27 STONE RD, BELMONT, MA 02478-3520
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74850-290
Date	Jun 9, 2020
Book Page	74850/290
Instrument	89147

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELMONT MA
Recording Date	Nov 18, 2019
Property Address	27 STONE RD, BELMONT, MA 02478-3520
Document Number	73668-451
Book / Page	73668 / 451
Instrument Date	Nov 1, 2019
Instrument	180529
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 STONE RD, BELMONT, MA 02478-3520

Mortgage

Document Number	180530
Date	Nov 18, 2019
Instrument	180530

Lender

Name	USA ALLIANCE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 27 Stone Rd was $21,231.

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	$21,231.00	$1,864,000 Land $1,066,000 Building $798,000	$2,278,765 (-3.47%)
2024			$2,360,560
2023	$17,894.00	$1,592,000 Land $1,013,000 Building $579,000

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

Flood

FEMA maps place 27 Stone Rd in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1979.

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	6 in force
Nearby Flood Claims	14 (1979–2010)
Claims Outside the SFHA	7 of 14
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 claims Severe Storms And Flooding, May 2006 · 2 claims Extreme Weather Conditons And Flooding, Oct 1996 · 5 claims

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

The area around 27 Stone Rd 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.

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 584 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Starry.

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