34 Pearl St, Cambridge, MA 02139 Property Records

Middlesex County and Cambridge City property record for 34 Pearl St, Cambridge, MA 02139

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 2,744 sqft · built 1874
Lot Size	0.039 acres (1,695 sqft)
Owner	2 Trust Names on File
Last Sale	$1,680,000 (Feb 2025)
Tax Bill	$9,046 (2025)
Deeds & Mortgages	Jul 2024 Construction Loan Sep 2025 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`93-54`

Property Details

APN / Parcel Number

Primary APN	`93-54`
Alternative APN	`CAMB M:00093 L:00054`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	3 Stories
Building Area	2,744 sqft Living Area
Gross Area	3,911 sqft
1st Floor Area	1,022 sqft
Basement Area	1,022 sqft
Unfinished Basement	1,022 sqft

Exterior

Year Built	Built 1874
Effective Year Built	Effective 1874
Architectural Style	Other
Exterior Material	Brick
Construction Type	Brick
Roof Type	Mansard
Roof Material	Slate
Lot Area	1,695 sqft (0.039 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	34 PEARL ST
City	CAMBRIDGE
State	MA
Zip	02139-4041
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C-2A
Legal Lot Number	54
Jurisdiction	CAMBRIDGE MA
Township / Civil Division	CAMBRIDGE
Census Block Group	2
Census Block	2004
Census Tract	353101

Owner

34 Pearl St is held in a trust since September 2025.

Source: Middlesex County and Cambridge City records, as of July 20, 2026

Owner of Record	2 Trust Names on File
Mailing Address	2703 W LAKE VAN NESS CIR, FRESNO, CA 93711-7025
Owner Type	Individual
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2024	Deed of Trust, Mortgage · Construction Mortgage ABL RPC RES CREDIT AC
Sep 12, 2025	Quit Claim Deed, Transfer Quitclaim
Feb 14, 2025	Condominium Deed, Transfer · Stand-Alone First Mortgage GUILD MORTGAGE CO
Nov 26, 2024	Condominium Deed, Transfer
Jul 26, 2022	Quit Claim Deed, Construction Loan · Construction Mortgage ABL RPC RES CREDIT AC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2025 · Amount on File
Deed Sale	Feb 14, 2025 · Amount on File
Prior Sale	Nov 26, 2024 · Amount on File
Deed Document Number	202515754
Deed Book / Page	83769 / 523
Last Transfer Date	Sep 12, 2025
Transfer Doc	084606-435
Record Updated	Sep 20, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIDGE MA
Property Address	34 PEARL ST, CAMBRIDGE, MA 02139-4041
Transaction Type	Mortgage
Record Updated	Oct 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	082992-139
Date	Jul 11, 2024
Book Page	82992/139
Instrument	75609

Lender

Name	ABL RPC RES CREDIT AC

Agreement

Type	Construction Mortgage
Amount	Amount on Record

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAMBRIDGE MA
Recording Date	Sep 12, 2025
Property Address	34 PEARL ST, CAMBRIDGE, MA 02139-4041
Document Number	084606-435
Book / Page	84606 / 435
Instrument Date	Sep 12, 2025
Instrument	110413
Transaction Type	Transfer
Record Updated	Oct 31, 2025

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	2703 W LAKE VAN NESS CIR, FRESNO, CA 93711-7025

February 2025: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	CAMBRIDGE MA
Recording Date	Feb 14, 2025
Property Address	34 PEARL ST, CAMBRIDGE, MA 02139-4041
Document Number	083769-523
Book / Page	83769 / 523
Instrument Date	Feb 14, 2025
Instrument	15754
Transaction Type	Transfer
Record Updated	Oct 31, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	34 PEARL ST # 2, 2, CAMBRIDGE, MA 02139-4041
Investor	Possibly a Property Investor

Mortgage

Document Number	0000015755
Date	Feb 14, 2025
Instrument	15755

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

November 2024: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	CAMBRIDGE MA
Recording Date	Nov 26, 2024
Property Address	34 PEARL ST, CAMBRIDGE, MA 02139-4041
Document Number	083521-578
Book / Page	83521 / 578
Instrument Date	Nov 21, 2024
Instrument	135937
Transaction Type	Transfer
Record Updated	Oct 31, 2025

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2703 W LAKE VAN NESS CIR, FRESNO, CA 93711-7025

July 2022: Quit Claim Deed, Construction Loan

Document Type	Quit Claim Deed
Jurisdiction	CAMBRIDGE MA
Recording Date	Jul 26, 2022
Property Address	34 PEARL ST, CAMBRIDGE, MA 02139-4041
Document Number	080483-573
Book / Page	80483 / 573
Instrument Date	Jul 22, 2022
Instrument	113549
Transaction Type	Construction Loan
Record Updated	Oct 31, 2025

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	667 SOMERVILLE AVE, SOMERVILLE, MA 02143-3235

Mortgage

Document Number	0000113550
Date	Jul 26, 2022
Instrument	113550

Lender

Name	ABL RPC RES CREDIT AC

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 34 Pearl St was $9,046, up 3.5% from the year before.

Source: Middlesex County and Cambridge City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Cambridge City
Unified School District	Cambridge School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,046.00 (+3.47%)	$1,424,600 (-3.53%) Land $796,000 Building $628,600	$1,544,130 (+8.28%)
2024	$8,743.00 (+0.07%)	$1,476,800 (-0.95%) Land $863,900 Building $612,900	$1,426,045
2023	$8,737.00	$1,491,000 Land $855,200 Building $635,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 34 Pearl St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 34 Pearl 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 910 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Starry.

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