292 Cedar St, Somerville, MA 02145 Property Records

Middlesex County and Somerville City property record for 292 Cedar St, Somerville, MA 02145

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,542 sqft · built 1900
Lot Size	0.092 acres (3,993 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (Oct 2011)
Tax Bill	$9,026 (2026)
Deeds & Mortgages	Feb 2021 Refinance Feb 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`27-D-4`

Property Details

APN / Parcel Number

Primary APN	`27-D-4`
Alternative APNs	`SOME M:27 B:D L:4` `12376035`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,542 sqft Living Area
Gross Area	2,692 sqft
Basement Area	844 sqft
Unfinished Basement	844 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Cottage
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,993 sqft (0.092 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	12376035
Street Address	292 CEDAR ST
City	SOMERVILLE
State	MA
Zip	02145-3521
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR
Legal Block	D
Legal Lot Number	4
Jurisdiction	SOMERVILLE MA
Township / Civil Division	SOMERVILLE
Census Block Group	3
Census Block	3004
Census Tract	350300

Owner

292 Cedar St is owned and occupied by two individuals who acquired it in January 2021.

Source: Middlesex County and Somerville City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	292 CEDAR ST, SOMERVILLE, MA 02145-3521
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CAMBRIDGE SAVINGS BANK
Feb 2, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2011 · Amount on File
Deed Sale	Oct 21, 2011 · Amount on File
Deed Book / Page	57687 / 259
Last Transfer Date	Jan 28, 2021
Transfer Doc	76865-354
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERVILLE MA
Property Address	292 CEDAR ST, SOMERVILLE, MA 02145-3521
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	076865-357
Date	Feb 2, 2021
Book Page	76865/357
Instrument	24286

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SOMERVILLE MA
Recording Date	Feb 2, 2021
Property Address	292 CEDAR ST, SOMERVILLE, MA 02145-3521
Document Number	076865-354
Book / Page	76865 / 354
Instrument Date	Jan 28, 2021
Instrument	24285
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	292 CEDAR ST, SOMERVILLE, MA 02145-3521

Tax Assessment & Valuation

The 2026 property tax bill for 292 Cedar St was $9,026, up 4.3% from the year before.

Source: Middlesex County and Somerville City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Somerville City
Unified School District	Somerville School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,026.00 (+4.26%)	$822,000 (+3.59%) Land $433,600 Building $388,400	$826,454 (-40.38%)
2025	$8,657.00 (+4.59%)	$793,500 (+0.85%) Land $413,000 Building $380,500	$1,386,145 (-0.15%)
2024	$8,277.00 (+5.51%)	$786,800 (+3.7%) Land $413,000 Building $373,800	$1,388,235
2023	$7,845.00	$758,700 Land $413,000 Building $345,700

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

Flood

FEMA maps place 292 Cedar St in Zone X, an area of minimal flood risk.

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

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 292 Cedar 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOMERVILLE WATER DEPT. (MWRA) serves 81,045 people · EPA ID MA3274000
Water Source	Purchased surface water from MWRA
Last State Inspection	Oct 2025
Lead	4 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement currently in violation since Nov 2019
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 1,347 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
Netafy Fixed Wireless	608 / 135
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Starry, Verizon.

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