Middlesex County and Cambridge City property record for 32 Bay St, Cambridge, MA 02139
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 1 ba · 710 sqft · built 1886 |
| Lot Size | 0.045 acres (1,984 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $337,500 (Jun 2012) |
| Tax Bill | $4,083 (2025) |
| Deeds & Mortgages | Jul 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 120-1-32 |
| Primary APN | 120-1-32 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 710 sqft Living Area |
| 1st Floor Area | 710 sqft |
| Central Vacuum | Central Vacuum |
| Year Built | Built 1886 |
|---|---|
| Effective Year Built | Effective 1886 |
| Architectural Style | Other |
| Lot Area | 1,984 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Street Address | 32 BAY ST |
|---|---|
| City | CAMBRIDGE |
| State | MA |
| Zip | 02139-3147 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | C1 |
| Legal Subdivision | K & B |
| Legal Lot Number | 100032 |
| Jurisdiction | CAMBRIDGE MA |
| Township / Civil Division | CAMBRIDGE |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 359400 |
32 Bay St, a condominium, is owned by two individuals who bought it in June 2012.
Source: Middlesex County and Cambridge City records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 426 PUTNAM AVE, CAMBRIDGE, MA 02139-4609 |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 28, 2012 · Amount on File |
| Deed Sale | Jun 28, 2012 · Amount on File |
| Prior Sale | Dec 31, 1993 · Amount on File |
| Deed Document Number | 201213 |
| Deed Book / Page | 59402 / 217 |
| Transfer Doc | 63790-427 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMBRIDGE MA |
| Property Address | 32 BAY ST, CAMBRIDGE, MA 02139-3147 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 078337-526 |
|---|---|
| Date | Jul 27, 2021 |
| Book Page | 78337/526 |
| Instrument | 168542 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
The 2025 property tax bill for 32 Bay St was $4,083, up 13.3% from the year before.
Source: Middlesex County and Cambridge City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Cambridge City |
| Unified School District | Cambridge School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,083.00 (+13.29%) | $643,000 (+5.62%) Building $643,000 | $740,620 (+4.36%) |
| 2024 | $3,604.00 (-1.1%) | $608,800 (-2.09%) Building $608,800 | $709,650 |
| 2023 | $3,644.00 | $621,800 Building $621,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 32 Bay 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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 3 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.
The area around 32 Bay 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 536 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 1,000 / 75 |
| Starry Fixed Wireless | 500 / 200 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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