324 Payson Rd, Belmont, MA 02478 Property Records

Middlesex County and Belmont Town property record for 324 Payson Rd, Belmont, MA 02478

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,538 sqft · built 1924
Lot Size	0.155 acres (6,773 sqft)
Owner	Individual Name on Record
Last Sale	$752,400 (Dec 2004)
Tax Bill	$19,283 (2025)
Deeds & Mortgages	Mar 2023 Refinance Oct 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BELM M:03 P:000138 S`

Property Details

APN / Parcel Number

Primary APN	`BELM M:03 P:000138 S`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,538 sqft Living Area
1st Floor Area	972 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Frame
Lot Area	6,773 sqft (0.155 acres)
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	324 PAYSON RD
City	BELMONT
State	MA
Zip	02478-3403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SC
Jurisdiction	BELMONT MA
Township / Civil Division	BELMONT
Census Block Group	1
Census Block	1011
Census Tract	357400

Owner

Source: Middlesex County and Belmont Town records, as of July 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	324 PAYSON RD, BELMONT, MA 02478-3403
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2023	Quit Claim Deed, Transfer · Stand-Alone Refinance GUARANTEED RATE INC
Oct 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
May 15, 2019	Deed of Trust, Mortgage · Balloon Mortgage PEOPLES UNITED BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2004 · Amount on Record
Deed Sale	Dec 10, 2004 · Amount on Record
Deed Document Number	2004310050
Deed Book / Page	44274 / 121
Last Transfer Date	Mar 6, 2023
Transfer Doc	081315-540
Record Updated	Sep 20, 2026

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELMONT MA
Recording Date	Mar 10, 2023
Property Address	324 PAYSON RD, BELMONT, MA 02478-3403
Document Number	081315-540
Book / Page	81315 / 540
Instrument Date	Mar 6, 2023
Instrument	23902
Transaction Type	Transfer
Record Updated	Mar 24, 2023

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
Address	324 PAYSON RD, BELMONT, MA 02478-3403

Mortgage

Document Number	081315-543
Date	Mar 10, 2023
Book Page	81315/543
Instrument	23903

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	324 PAYSON RD, BELMONT, MA 02478-3403
Transaction Type	Mortgage
Record Updated	Oct 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78893-511
Date	Oct 12, 2021
Book Page	78893/511
Instrument	224305

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	324 PAYSON RD, BELMONT, MA 02478-3403
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72600-274
Date	May 15, 2019
Book Page	72600/274
Instrument	62570

Lender

Name	PEOPLES UNITED BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2044

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	$19,283.00 (+14.3%)	$1,693,000 (+12.79%) Land $716,000 Building $977,000	$1,555,910 (+0.01%)
2024			$1,555,815
2023	$16,871.00	$1,501,000 Land $800,000 Building $701,000

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
Nearby Flood Claims	1 (1978)
Most Recent Claim	Feb 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.

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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