Middlesex County and Belmont Town property record for 39 Centre Ave, Belmont, MA 02478
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,620 sqft · built 1860 |
| Lot Size | 0.436 acres (18,996 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $460,000 (Jan 1998) |
| Tax Bill | $34,808 (2025) |
| Deeds & Mortgages | Oct 2023 Refinance Feb 2022 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | BELM M:57 P:000022 S |
| Primary APN | BELM M:57 P:000022 S |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,620 sqft Living Area |
| 1st Floor Area | 1,169 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1860 |
|---|---|
| Effective Year Built | Effective 1860 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Lot Area | 18,996 sqft (0.436 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 39 CENTRE AVE |
|---|---|
| City | BELMONT |
| State | MA |
| Zip | 02478-1511 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SA |
| Jurisdiction | BELMONT MA |
| Township / Civil Division | BELMONT |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 357800 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Pleasant Street Historic District listed 1979 · 63 contributing resources · NRIS 79000353 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
39 Centre Ave is owned and occupied by two individuals who bought it in January 1998.
Source: Middlesex County and Belmont Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 39 CENTRE AVE, BELMONT, MA 02478-1511 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 10, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance CAMBRIDGE TRUST CO |
| Feb 11, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance COLONIAL FEDERAL SAVINGS BANK-QUINCY |
| Nov 18, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance PEOPLES UNITED BANK |
| Sep 30, 2020 | Deed of Trust, Mortgage · Balloon Mortgage CAMBRIDGE TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 8, 1998 · Amount on File |
| Deed Sale | Jan 8, 1998 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELMONT MA |
| Property Address | 39 CENTRE AVE, BELMONT, MA 02478-1511 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0082079-49 |
|---|---|
| Date | Oct 10, 2023 |
| Book Page | 82079/49 |
| Instrument | 114148 |
| Name | CAMBRIDGE TRUST CO |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Nov 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELMONT MA |
| Property Address | 39 CENTRE AVE, BELMONT, MA 02478-1511 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 079673-476 |
|---|---|
| Date | Feb 11, 2022 |
| Book Page | 79673/476 |
| Instrument | 22931 |
| Name | COLONIAL FEDERAL SAVINGS BANK-QUINCY |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELMONT MA |
| Property Address | 39 CENTRE AVE, BELMONT, MA 02478-1511 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 73668-43 |
|---|---|
| Date | Nov 18, 2019 |
| Book Page | 73668/43 |
| Instrument | 180458 |
| Name | PEOPLES UNITED BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELMONT MA |
| Property Address | 39 CENTRE AVE, BELMONT, MA 02478-1511 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 75765-441 |
|---|---|
| Date | Sep 30, 2020 |
| Book Page | 75765/441 |
| Instrument | 175268 |
| Name | CAMBRIDGE TRUST CO |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
The 2025 property tax bill for 39 Centre Ave was $34,808.
Source: Middlesex County and Belmont Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Belmont Town |
| Unified School District | Belmont School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $34,808.00 | $3,056,000 Land $1,512,000 Building $1,544,000 | $2,656,759 (+12.95%) |
| 2024 | $2,352,105 | ||
| 2023 | $30,157.00 | $2,683,000 Land $1,566,000 Building $1,117,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 39 Centre Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1985.
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 | 2 in force |
| Nearby Flood Claims | 3 (1985–2021) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 2021 · Tropical Storm Henri |
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 risk around 39 Centre Ave 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 98% of the US · lower than 96% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 103 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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