38 Unity Ave, #40, Belmont, MA 02478 Property Records

Middlesex County and Belmont Town property record for 38 Unity Ave, #40, Belmont, MA 02478

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,475 sqft · built 1920
Lot Size	0.093 acres (4,053 sqft)
Owner	2 Trust Names on File
Last Sale	$590,000 (Apr 2007)
Tax Bill	$16,675 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Aug 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`BELM M:01 P:000078 S`

Property Details

APN / Parcel Number

Primary APN	`BELM M:01 P:000078 S`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,475 sqft Living Area
1st Floor Area	1,125 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	4,053 sqft (0.093 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	38 UNITY AVE, 40
City	BELMONT
State	MA
Zip	02478-3673
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R
Jurisdiction	BELMONT MA
Township / Civil Division	BELMONT
Census Block Group	2
Census Block	2007
Census Tract	357300

Owner

38 Unity Ave, #40 is held in a trust since July 2021.

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

Owner of Record	2 Trust Names on File
Mailing Address	38 UNITY AVE, 40, BELMONT, MA 02478-3673
Owner Type	Company
Vesting	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
Mar 18, 2026	Deed of Trust, Mortgage · Line of Credit WEBSTER BANK
Aug 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Nov 23, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER BANK
Aug 9, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance GUARANTEED RATE INC
Oct 3, 2019	Deed of Trust, Mortgage · Line of Credit ROCKLAND TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2007 · Amount on File
Deed Sale	Apr 30, 2007 · Amount on File
Deed Document Number	200779170
Deed Book / Page	49373 / 398
Last Transfer Date	Jul 28, 2021
Transfer Doc	078434-244
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	38 UNITY AVE # 40, 40, BELMONT, MA 02478-3673
Transaction Type	Mortgage
Record Updated	Apr 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0085353-65
Date	Mar 18, 2026
Book Page	85353/65
Instrument	29422

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	38-40 UNITY AVE, BELMONT, MA 02478
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078434-247
Date	Aug 9, 2021
Book Page	78434/247
Instrument	178512

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	38-40 UNITY AVE, BELMONT, MA 02478
Transaction Type	Mortgage
Record Updated	Dec 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080985-46
Date	Nov 23, 2022
Book Page	80985/46
Instrument	172888

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELMONT MA
Recording Date	Aug 9, 2021
Property Address	38-40 UNITY AVE, BELMONT, MA 02478
Document Number	78434-244
Book / Page	78434 / 244
Instrument Date	Jul 28, 2021
Instrument	178511
Transaction Type	Transfer
Record Updated	Aug 27, 2021

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	38 UNITY AVE # 40, 40, BELMONT, MA 02478-3673

Mortgage

Document Number	78434-247
Date	Aug 9, 2021
Book Page	78434/247
Instrument	178512

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	38-40 UNITY AVE, BELMONT, MA 02478
Document Number	73420-250
Instrument Date	Oct 3, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	38 UNITY AVE BELMONT MA 024783673, BELMONT, MA 02478-3673

Mortgage

Document Number	73420-250
Date	Oct 8, 2019
Book Page	073420/000250
Instrument	154229

Lender

Name	ROCKLAND TR

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 38 Unity Ave, #40 was $16,675.

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	$16,675.00	$1,464,000 Land $700,000 Building $764,000	$1,332,638
2023	$14,758.00	$1,313,000 Land $905,000 Building $408,000

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

Flood

FEMA maps place 38 Unity Ave, #40 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

The area around 38 Unity Ave, #40 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	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 1,030 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

May also be available: Astound Broadband, AT&T, Starry.

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