32 Jay St, Somerville, MA 02144 Property Records

Middlesex County and Somerville City property record for 32 Jay St, Somerville, MA 02144

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 2,035 sqft · built 1900
Lot Size	0.081 acres (3,546 sqft)
Owner	Individual Name on Record
Tax Bill	$15,175 (2026)
Deeds & Mortgages	Sep 2025 Line of Credit Jun 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`17-C-13`

Property Details

APN / Parcel Number

Primary APN	`17-C-13`
Alternative APNs	`SOME M:17 B:C L:13` `3123085`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	3 Stories
Building Area	2,035 sqft Living Area
Gross Area	3,792 sqft
Basement Area	863 sqft
Unfinished Basement	863 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,546 sqft (0.081 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	3123085
Street Address	32 JAY ST
City	SOMERVILLE
State	MA
Zip	02144-2712
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RB
Legal Block	C
Legal Lot Number	13
Jurisdiction	SOMERVILLE MA
Township / Civil Division	SOMERVILLE
Census Block Group	2
Census Block	2003
Census Tract	350800

Owner

Source: Middlesex County and Somerville City 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	32 JAY ST, SOMERVILLE, MA 02144-2712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2025	Deed of Trust, Mortgage · Line of Credit ROCKLAND TRUST CO
Jun 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MIDDLESEX FSLA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERVILLE MA
Property Address	32 JAY ST, SOMERVILLE, MA 02144-2712
Transaction Type	Mortgage
Record Updated	Oct 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0084609-32
Date	Sep 15, 2025
Book Page	84609/32
Instrument	110668

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERVILLE MA
Property Address	32 JAY ST, SOMERVILLE, MA 02144-2712
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078098-547
Date	Jun 25, 2021
Book Page	78098/547
Instrument	143819

Lender

Name	MIDDLESEX FSLA
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

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	$15,175.00 (+6.33%)	$1,382,100 (+5.65%) Land $771,300 Building $610,800	$1,150,621
2025	$14,272.00 (+6.32%)	$1,308,200 (+2.52%) Land $734,600 Building $573,600
2024	$13,424.00 (+5.81%)	$1,276,000 (+3.99%) Land $734,600 Building $541,400
2023	$12,687.00	$1,227,000 Land $734,600 Building $492,400

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	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

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 1,241 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Netafy Fixed Wireless	564 / 125
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Starry, Verizon.

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