28 Upton St, Cambridge, MA 02139 Property Records

Middlesex County and Cambridge City property record for 28 Upton St, Cambridge, MA 02139

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,448 sqft · built 1871
Lot Size	0.038 acres (1,659 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,700,000 (Oct 2023)
Tax Bill	$8,875 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`104-50`

Property Details

APN / Parcel Number

Primary APN	`104-50`
Alternative APN	`CAMB M:00104 L:00050`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,448 sqft Living Area
Gross Area	2,310 sqft
1st Floor Area	720 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft
Central Vacuum	Central Vacuum

Exterior

Year Built	Built 1871
Effective Year Built	Effective 1871
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	1,659 sqft (0.038 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	28 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	50
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	28 UPTON ST, CAMBRIDGE, MA 02139-3809
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2025	Deed of Trust, Mortgage BANK OF AMERICA NA
Oct 31, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2023 · Amount on Record
Deed Sale	Oct 31, 2023 · Amount on Record
Deed Document Number	2023123783
Deed Book / Page	82155 / 302
Prior Transfer Date	Oct 30, 2023
Prior Transfer Doc	082155-302
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIDGE MA
Property Address	28 UPTON ST, CAMBRIDGE, MA 02139-3809
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0084761-25
Date	Oct 21, 2025
Book Page	84761/25
Instrument	127475

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Type Change Date	Nov 1, 2032
Index	Other

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAMBRIDGE MA
Recording Date	Oct 31, 2023
Property Address	28 UPTON ST, CAMBRIDGE, MA 02139-3809
Document Number	082155-302
Book / Page	82155 / 302
Instrument Date	Oct 30, 2023
Instrument	123783
Transaction Type	Transfer
Record Updated	Oct 31, 2025

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	28 UPTON ST, CAMBRIDGE, MA 02139-3809

Mortgage

Document Number	0000123784
Date	Oct 31, 2023
Instrument	123784

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Nov 1, 2030
Max Rate At Change	2.75%
Index	Other

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	$8,875.00 (+10.84%)	$1,397,600 (+3.33%) Land $794,200 Building $603,400	$1,689,100 (+7.23%)
2024	$8,007.00 (+2.05%)	$1,352,600 (+1.02%) Land $861,800 Building $490,800	$1,575,195
2023	$7,846.00	$1,338,900 Land $853,200 Building $485,700

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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