3 Pine St, Belmont, MA 02478 Property Records

Middlesex County and Belmont Town property record for 3 Pine St, Belmont, MA 02478

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,638 sqft · built 1920
Lot Size	0.128 acres (5,561 sqft)
Owner	Individual Name on Record
Last Sale	$1,165,000 (Nov 2024)
Tax Bill	$12,370 (2025)
Deeds & Mortgages	Nov 2024 Sale & Mortgage Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`BELM M:05 P:000039 S`

Property Details

APN / Parcel Number

Primary APN	`BELM M:05 P:000039 S`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,638 sqft Living Area
1st Floor Area	1,188 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	5,561 sqft (0.128 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	3 PINE ST
City	BELMONT
State	MA
Zip	02478-2765
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	SC
Jurisdiction	BELMONT MA
Township / Civil Division	BELMONT
Census Block Group	2
Census Block	2007
Census Tract	357400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1 PINE ST, 3, BELMONT, MA 02478-2765
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage WASHINGTON TRUST MORTGAGE CO
Apr 26, 2018	Deed of Trust, Mortgage LIBERTY HM EQUITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2024 · Amount on Record
Deed Sale	Nov 8, 2024 · Amount on Record
Prior Sale	May 7, 2007
Deed Book / Page	83456 / 527
Record Updated	Oct 29, 2026

November 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELMONT MA
Recording Date	Nov 8, 2024
Property Address	3 PINE ST, BELMONT, MA 02478-2765
Document Number	083456-527
Book / Page	83456 / 527
Instrument Date	Nov 8, 2024
Instrument	128477
Transaction Type	Transfer
Record Updated	Mar 13, 2026

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	1 PINE ST # 3, 3, BELMONT, MA 02478-2765

Mortgage

Document Number	0000128478
Date	Nov 8, 2024
Instrument	128478

Lender

Name	WASHINGTON TRUST MORTGAGE CO

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Type Change Date	Dec 1, 2029
Max Rate At Change	2.75%
Index	1-Year CMT

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	3 PINE ST, BELMONT, MA 02478-2765
Document Number	70950-254
Instrument Date	Apr 26, 2018
Transaction Type	Mortgage
Record Updated	May 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 PINE ST BELMONT MA 024782765, BELMONT, MA 02478-2765

Mortgage

Document Number	70950-254
Date	May 1, 2018
Book Page	070950/000254
Instrument	60426

Lender

Name	LIBERTY HM EQUITY

Agreement

Amount	Amount Recorded
Term	744 Months
Due	Apr 30, 2080

Interest

Rate Type	Adjustable Rate
Rate	5.51%

Tax Assessment & Valuation

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	$12,370.00 (+13.93%)	$1,086,000 (+12.42%) Land $644,000 Building $442,000	$1,196,120
2023	$10,858.00	$966,000 Land $681,000 Building $285,000

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 · 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	2 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

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 620 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
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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