34 Shepard St, Cambridge, MA 02138 Property Records

Middlesex County and Cambridge City property record for 34 Shepard St, Cambridge, MA 02138

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 2,064 sqft · built 1885
Lot Size	0.153 acres (6,684 sqft)
Owner	2 Trust Names on File
Last Sale	$290,000 (Mar 2020)
Tax Bill	$15,356 (2025)
Deeds & Mortgages	Feb 2025 Line of Credit Oct 2024 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`173-93`

Property Details

APN / Parcel Number

Primary APN	`173-93`
Alternative APN	`CAMB M:00173 L:00093`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	2,064 sqft Living Area
Gross Area	3,138 sqft
1st Floor Area	779 sqft
Basement Area	779 sqft
Unfinished Basement	779 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace
Central Vacuum	Central Vacuum

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1885
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,684 sqft (0.153 acres)
Garage Type	Covered
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	34 SHEPARD ST
City	CAMBRIDGE
State	MA
Zip	02138-1522
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
Legal Lot Number	93
Jurisdiction	CAMBRIDGE MA
Township / Civil Division	CAMBRIDGE
Census Block Group	2
Census Block	2004
Census Tract	354000

Owner

34 Shepard St is held in a trust since March 2020.

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

Owner of Record	2 Trust Names on File
Mailing Address	34 SHEPARD ST, 2, CAMBRIDGE, MA 02138-1522
Owner Type	Company
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
Feb 5, 2025	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Oct 17, 2024	Quit Claim Deed, Transfer Quitclaim
Apr 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage DEBORAH S KERNOCHAN
Mar 27, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Mar 13, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
May 3, 2017	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2020 · Amount on File
Deed Sale	Mar 13, 2020 · Amount on File
Prior Sale	Sep 18, 2017 · Amount on File
Deed Document Number	202038402
Deed Book / Page	74285 / 327
Last Transfer Date	Mar 20, 2020
Transfer Doc	74365-51
Record Updated	Oct 29, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIDGE MA
Property Address	34 SHEPARD ST, CAMBRIDGE, MA 02138-1522
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	083745-379
Date	Feb 5, 2025
Book Page	83745/379
Instrument	12620

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAMBRIDGE MA
Recording Date	Oct 17, 2024
Property Address	34 SHEPARD ST, CAMBRIDGE, MA 02138-1522
Document Number	083358-129
Book / Page	83358 / 129
Instrument Date	Oct 16, 2024
Instrument	117645
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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	34-1 SHEPARD ST # 2, 2, CAMBRIDGE, MA 02138-1522

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIDGE MA
Property Address	34 SHEPARD ST, CAMBRIDGE, MA 02138-1522
Document Number	74533-413
Instrument Date	Apr 24, 2020
Transaction Type	Mortgage
Record Updated	May 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 SHEPARD ST CAMBRIDGE MA 021381522, CAMBRIDGE, MA 02138-1522

Mortgage

Document Number	74533-413
Date	Apr 24, 2020
Book Page	074533/000413
Instrument	60736

Lender

Name	DEBORAH S KERNOCHAN

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Apr 23, 2045

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAMBRIDGE MA
Recording Date	Mar 27, 2020
Property Address	34 SHEPARD ST, CAMBRIDGE, MA 02138-1522
Document Number	74365-51
Book / Page	074365 / 000051
Instrument Date	Mar 20, 2020
Instrument	46051
Transaction Type	Transfer
Record Updated	Apr 14, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 SHEPARD ST CAMBRIDGE MA 021381522, CAMBRIDGE, MA 02138-1522

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAMBRIDGE MA
Recording Date	Mar 13, 2020
Property Address	34 SHEPARD ST, CAMBRIDGE, MA 02138-1522
Document Number	74285-327
Book / Page	074285 / 000327
Instrument Date	Feb 27, 2020
Instrument	38402
Transaction Type	Transfer
Record Updated	Mar 31, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$1,322.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 1/2 SHEPARD ST CAMBRIDGE MA 02138, CAMBRIDGE, MA 02138

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAMBRIDGE MA
Recording Date	May 3, 2017
Property Address	34 SHEPARD ST, CAMBRIDGE, MA 02138-1522
Document Number	69230-298
Book / Page	069230 / 000298
Instrument Date	May 2, 2017
Instrument	65278
Transaction Type	Transfer
Record Updated	May 23, 2017

Transaction

Amount	Amount on Record
Tax	$7,296.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 SHEPARD ST CAMBRIDGE MA 021381522, CAMBRIDGE, MA 02138-1522

Tax Assessment & Valuation

The 2025 property tax bill for 34 Shepard St was $15,356, up 7.8% 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	$15,356.00 (+7.8%)	$2,418,300 (+0.5%) Land $1,186,900 Building $1,231,400	$3,596,035 (+29.44%)
2024	$14,245.00 (+8.32%)	$2,406,200 (+7.22%) Land $1,252,100 Building $1,154,100	$2,778,180
2023	$13,151.00	$2,244,200 Land $1,246,700 Building $997,500

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

Flood

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

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
Community Rating System	Class 9 (5% premium discount)
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

The area around 34 Shepard 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 782 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	1,000 / 75
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, Starry.

Nearby Properties on Shepard St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures