38 Cliff St, Arlington, MA 02476 Property Records

Middlesex County and Arlington Town property record for 38 Cliff St, Arlington, MA 02476

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,342 sqft · built 1914
Lot Size	0.184 acres (8,028 sqft)
Owner	2 Individual Names on File
Last Sale	$558,000 (Jul 2014)
Tax Bill	$11,775 (2026)
Deeds & Mortgages	Dec 2022 Refinance Sep 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`110178`

Property Details

APN / Parcel Number

Primary APN	`110178`
Alternative APN	`ARLI M:166.0 B:0004 L:0003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,342 sqft Living Area
Gross Area	2,740 sqft
Basement Area	850 sqft
Unfinished Basement	850 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1959
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,028 sqft (0.184 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	110178
Street Address	38 CLIFF ST
City	ARLINGTON
State	MA
Zip	02476-5944
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	ARLINGTON LAND CO SEC A
Legal Block	4
Legal Lot Number	3
Jurisdiction	ARLINGTON MA
Township / Civil Division	ARLINGTON
Census Block Group	4
Census Block	4011
Census Tract	356602

Owner

38 Cliff St is owned and occupied by two individuals who bought it in July 2014.

Source: Middlesex County and Arlington Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	38 CLIFF ST, ARLINGTON, MA 02476-5944
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance HARVARD UNIVERSITY CREDIT UNION
Sep 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Sep 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Sep 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
May 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2014 · Amount on File
Deed Sale	Jul 14, 2014 · Amount on File
Prior Sale	Nov 2, 2001 · Amount on File
Deed Book / Page	63907 / 188
Transfer Doc	063907-188
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARLINGTON MA
Property Address	38 CLIFF ST, ARLINGTON, MA 02476-5944
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081019-320
Date	Dec 5, 2022
Book Page	81019/320
Instrument	176997

Lender

Name	HARVARD UNIVERSITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Jan 1, 2048

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARLINGTON MA
Property Address	38 CLIFF ST, ARLINGTON, MA 02476-5944
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0078613-98
Date	Sep 2, 2021
Book Page	78613/98
Instrument	196439

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2041

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARLINGTON MA
Property Address	38 CLIFF ST, ARLINGTON, MA 02476-5944
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78613-98
Date	Sep 2, 2021
Book Page	78613/98
Instrument	196439

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2041

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARLINGTON MA
Property Address	38 CLIFF ST, ARLINGTON, MA 02476-5944
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75657-154
Date	Sep 18, 2020
Book Page	75657/154
Instrument	165518

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2040

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARLINGTON MA
Property Address	38 CLIFF ST, ARLINGTON, MA 02476-5944
Document Number	72635-111
Instrument Date	May 16, 2019
Transaction Type	Mortgage
Record Updated	Jun 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 CLIFF ST ARLINGTON MA 024765944, ARLINGTON, MA 02476-5944

Mortgage

Document Number	72635-111
Date	May 21, 2019
Book Page	072635/000111
Instrument	66515

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 20, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 38 Cliff St was $11,775, up 5% from the year before.

Source: Middlesex County and Arlington Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Arlington Town
Unified School District	Arlington School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,775.00 (+4.98%)	$1,103,600 (+5.97%) Land $660,900 Building $442,700	$886,361 (-6.31%)
2025	$11,216.00 (+8.91%)	$1,041,400 (+7.1%) Land $614,600 Building $426,800	$946,010 (-0.79%)
2024	$10,298.00 (+3.84%)	$972,400 (+9.91%) Land $581,600 Building $390,800	$953,515
2023	$9,917.00	$884,700 Land $508,900 Building $375,800

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

Flood

FEMA maps place 38 Cliff 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
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

Wildfire risk around 38 Cliff St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	ARLINGTON WATER DEPT. (MWRA) serves 46,308 people · EPA ID MA3010000
Water Source	Purchased surface water from MWRA
Last State Inspection	Aug 2023
Lead	3 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	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 740 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

May also be available: AT&T.

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