Middlesex County and Belmont Town property record for 32 Ridge Rd, Belmont, MA 02478
| Property Type | Condominium |
|---|---|
| Details | 4 bd · 2 ba · 1,364 sqft · built 1905 |
| Lot Size | 0.067 acres (2,935 sqft) |
| Owner | Individual Name on File |
| Last Sale | $488,000 (Aug 2017) |
| Tax Bill | $6,378 (2025) |
| Deeds & Mortgages | Aug 2022 Refinance Jan 2022 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | BELM M:15 P:000135 S:U:2 |
| Primary APN | BELM M:15 P:000135 S:U:2 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,364 sqft Living Area |
| 1st Floor Area | 966 sqft |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Other |
| Construction Type | Frame |
| Lot Area | 2,935 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 32 RIDGE RD |
|---|---|
| City | BELMONT |
| State | MA |
| Zip | 02478-1245 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | R |
| Jurisdiction | BELMONT MA |
| Township / Civil Division | BELMONT |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 357600 |
32 Ridge Rd, a condominium, is owned and occupied by an individual who acquired it in October 2021.
Source: Middlesex County and Belmont Town records, as of October 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 32 RIDGE RD, BELMONT, MA 02478-1245 |
| 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.
| Date | Document |
|---|---|
| Aug 18, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance HARVARD UNIVERSITY CREDIT UNION |
| Jan 6, 2022 | Quit Claim Deed, Transfer · Stand-Alone Refinance HARVARD UNIVERSITY CREDIT UNION |
| Aug 28, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage HARVARD UNIV CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 28, 2017 · Amount on File |
| Deed Sale | Aug 28, 2017 · Amount on File |
| Deed Book / Page | 69834 / 428 |
| Last Transfer Date | Oct 13, 2021 |
| Transfer Doc | 079490-355 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELMONT MA |
| Property Address | 32 RIDGE RD, BELMONT, MA 02478-1245 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 080600-332 |
|---|---|
| Date | Aug 18, 2022 |
| Book Page | 80600/332 |
| Instrument | 127177 |
| Name | HARVARD UNIVERSITY CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Sep 1, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BELMONT MA |
| Recording Date | Jan 6, 2022 |
| Property Address | 32 RIDGE RD, BELMONT, MA 02478-1245 |
| Document Number | 079490-355 |
| Book / Page | 79490 / 355 |
| Instrument Date | Oct 13, 2021 |
| Instrument | 2775 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 32-34 RIDGE RD # 2, 2, BELMONT, MA 02478 |
| Document Number | 079490-361 |
|---|---|
| Date | Jan 6, 2022 |
| Book Page | 79490/361 |
| Instrument | 2776 |
| Name | HARVARD UNIVERSITY CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2037 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BELMONT MA |
| Recording Date | Aug 28, 2017 |
| Property Address | 32 RIDGE RD, BELMONT, MA 02478-1245 |
| Document Number | 69834-428 |
| Book / Page | 069834 / 000428 |
| Instrument Date | Aug 25, 2017 |
| Instrument | 137350 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2017 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,225.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 32 RIDGE RD #2 BELMONT MA 024781245, 2, BELMONT, MA 02478-1245 |
| Document Number | 69834-431 |
|---|---|
| Date | Aug 28, 2017 |
| Book Page | 069834/000431 |
| Instrument | 137351 |
| Name | HARVARD UNIV CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 27, 2047 |
| Rate | 3.25% |
|---|
The 2025 property tax bill for 32 Ridge Rd was $6,378.
Source: Middlesex County and Belmont Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Belmont Town |
| Unified School District | Belmont School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,378.00 | $560,000 Building $560,000 | $722,380 (+4.54%) |
| 2024 | $691,030 | ||
| 2023 | $5,744.00 | $511,000 Building $511,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 32 Ridge Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.
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 |
| Nearby Flood Claims | 1 (1978) |
| Most Recent Claim | Jan 1978 · tidal / storm surge |
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 Ridge Rd 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 856 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 |
| Astound Broadband Cable | 1,500 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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