34 Jay St, Somerville, MA 02144 Property Records

Middlesex County and Somerville City property record for 34 Jay St, Somerville, MA 02144

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,684 sqft · built 1900
Lot Size	0.078 acres (3,406 sqft)
Owner	Individual Name on Record
Last Sale	$900,000 (Dec 2017)
Tax Bill	$14,655 (2026)
Deeds & Mortgages	Apr 2022 Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-C-12`

Property Details

APN / Parcel Number

Primary APN	`17-C-12`
Alternative APNs	`SOME M:17 B:C L:12` `12382180`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	1,684 sqft Living Area
Gross Area	3,302 sqft
Basement Area	803 sqft
Unfinished Basement	803 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,406 sqft (0.078 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	12382180
Street Address	34 JAY ST
City	SOMERVILLE
State	MA
Zip	02144-2712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR
Legal Block	C
Legal Lot Number	12
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	34 JAY ST, SOMERVILLE, MA 02144-2712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2022	Deed of Trust, Mortgage · ARM METRO CU
Dec 14, 2017	Quit Claim Deed, Transfer EAST BOSTON SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2017 · Amount on Record
Deed Sale	Dec 14, 2017 · Amount on Record
Prior Sale	Mar 7, 2000 · Amount on Record
Deed Book / Page	70382 / 149
Transfer Doc	070382-149
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERVILLE MA
Property Address	34 JAY ST, SOMERVILLE, MA 02144-2712
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080022-56
Date	Apr 25, 2022
Book Page	80022/56
Instrument	60994

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	May 1, 2029
Index	Other

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SOMERVILLE MA
Recording Date	Dec 14, 2017
Property Address	34 JAY ST, SOMERVILLE, MA 02144-2712
Document Number	70382-149
Book / Page	70382 / 149
Instrument	202638
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$87.54
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 JAY ST, SOMERVILLE, MA 02144-2712

Mortgage

Document Number	703820152
Date	Dec 14, 2017
Instrument	70382/0152

Lender

Name	EAST BOSTON SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	372 Months
Due	Dec 14, 2048

Interest

Rate	3.63%
Max Rate At Change	10.1%
Max Rate	2.88%

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	$14,655.00 (+6.32%)	$1,334,700 (+5.64%) Land $760,500 Building $574,200	$1,233,106 (-21.2%)
2025	$13,784.00 (+6.26%)	$1,263,400 (+2.46%) Land $724,300 Building $539,100	$1,564,935 (+1.22%)
2024	$12,972.00 (+5.7%)	$1,233,100 (+3.9%) Land $724,300 Building $508,800	$1,546,125
2023	$12,272.00	$1,186,800 Land $724,300 Building $462,500

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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